- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
He just opened it. Why close it 4 months later?
With the Cap One secured card, you have almost a year of revolving history now. What is no doubt killing you is the recent baddie (repo) reporting. It will make it a bit tricky but if I were you I'd try a few strategic apps for cards, no more than 3 or so then wait 6 months and try it again. Don't go nuts on it but just test to see what you can get. I would try Chase Freedom simply on the basis that it's not that hard to get and Chase is as easy to recon with as you'll find. Maybe Discover IT and the Barclay's Rewards MasterCard as well OR the BofA 99/500 limit secured card IF all 3 of the above don't pan out, but don't push it beyond that.
I would not continue to app beyond that regardless of what happens you need to build slowly and that's what you've done so far so keep in that spirit until you get into the 700s.
Once you've had a few prime cards reporting for 6 months dump the secured card and get your money back because at that point you don't need that card. Quicksilver could be a long term keeper.