capital one secured credit card online payment

A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's. Online Capital One credit card payments made before 8 pm EST Monday through Saturday are posted to an account on the same day. Log into your Gap credit card account online to pay your bills, check your FICO score, sign up for paperless billing, and manage your account preferences.

Capital one secured credit card online payment -

Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card

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At any bank, if you have a low credit score, you’re only likely to get a credit limit increase if you’re getting close to your existing credit limit. So if you got that email, you probably had a few thousand dollars of Capital One credit card debt at an interest rate of at least 20 percent. That implies you were probably paying Capital One around $40 in interest per month or more. You might want or need to borrow more money on top of what you’ve already borrowed, but I always thought it was a little bit sick for us to be telling people to “enjoy” their higher credit line. It felt more than a little like shouting, “Enjoy getting into more debt, suckers!” before disappearing in a cloud of smoke and speeding off in a Tesla.

In my coworkers’ defense, nearly everyone agreed with me that repeating “more...more...more” in that email was redundant, if not manipulative, and we eventually changed the text. But the pitch still represented an irreconcilable gap: While the recipients of the email might, at best, regard it as one additional debt instrument to deploy for the next financial emergency lying in wait, Capital One employees must have imagined that borrowers were positively excited to take on more debt as soon as possible. 

Sadly, this latter view was not completely unreasonable. As Scott Schuh and Scott Fulford have shown in a paper for the Federal Reserve of Boston, people who get credit limit increases tend to keep their “utilization” constant. In other words: If a person is carrying a $1,500 balance when they have a $3,000 credit limit, you’d expect them to start carrying a $4,000 balance if the limit is raised to $8,000. If most people use the full credit-limit increases they are offered, the thinking goes, that must mean that most people want to borrow more money. If you lend them more money, you are “meeting customers’ needs.” 

Because the borrower’s pain was not at the forefront for analysts, lingo like “pBad” (the percentage of people who can’t repay their loans), “second-order risk” (when customers who would have been able to repay a small loan default because they borrowed more than they could handle), “flow rates” (the percentage of people who will miss the next payment), “HBRs” (high-balance revolvers, or people who have a lot of debt) is not analogous to a military planner referring to “collateral damage” to talk about dead civilians. It is far more abstract. 

Источник: https://newrepublic.com/article/155212/worked-capital-one-five-years-justified-piling-debt-poor-customers

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Источник: https://www.samsclub.com/content/credit

Capital One Platinum Secured Credit Card review: Build credit with no annual fee

CAPITAL ONE PLATINUM SECURED CREDIT CARD FEATURES

With no annual fee, a free credit tracking tool, Platinum Mastercard® benefits and Apple Pay capabilities, the Capital One Platinum Secured Credit Card goes beyond the basics secured cards typically offer. Plus, its low minimum security deposit requirement make it an even more attractive option for individuals looking to build or rebuild their credit history with responsible use.

Capital One Platinum Secured Credit Card best features:

  • No annual fee
  • Chip-enabled
  • Receive an initial credit line of $200 after making a security deposit of $49, $99 or $200. Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit.
  • Regular reporting to all three major credit bureaus
  • $0 fraud liability if your card is ever lost or stolen
  • Select your own monthly payment due date
  • Get Platinum Mastercard® benefits, including auto rental insurance, price protection and 24/7 roadside assistance
  • Use with Apple Pay

Top Features

 Regular APR

26.99% (Variable)

WHAT OUR EDITORS LIKE MOST ABOUT THE CAPITAL ONE PLATINUM SECURED CREDIT CARD

The Capital One Platinum Secured Credit Card has all the basics someone needs to build or rebuild their credit (with responsible use), with the addition of a few perks you don’t normally get with secured credit cards.

Pay a refundable security deposit of $49, $99 or $200 based on your credit history and receive an initial credit line of $200. You can pay more than your required security deposit before your account opens to increase your initial credit line up to a maximum of $1,000.

Financial education and responsible use are important when you’re building or rebuilding your credit. Capital One makes sure cardmembers have access to this information through its Financial Education site. The site features content about budgeting, balancing a checkbook and investing as well as additional resources that connect cardmembers to financial literacy programs (some of which are free). And if you want more tips about how to use credit wisely, follow Capital One's Twitter handle, @YourFutureEdge, to get more financial education.

The Capital One Platinum Secured Credit Card, which reports to all three major credit bureaus, also helps cardmembers learn how to improve and build their credit through responsible use through CreditWise®. The tool, available to people even beyond Capital One cardholders, gives you unlimited access to your credit score and free financial tools to help you better manage your credit. One unique feature of the tracker is a Credit Simulator, which shows you how specific actions can affect your credit score. With these tools, Capital One is doing more than providing a platform for people to rebuild their credit, it's doing the proverbial "teaching a man (or woman) to fish."

The Capital One Platinum Secured Credit Card also has Platinum Mastercard benefits like rental car insurance, 24/7 roadside assistance, price protection that reimburses you the price difference if you pay more for an eligible item, and automatic travel accident insurance when you use your card to purchase a trip.

But one of our favorite features of the Capital One Platinum Secured Credit Card, is the option to select your own due date, making bill management just a little bit easier.

POTENTIAL DRAWBACKS OF THE CAPITAL ONE PLATINUM SECURED CREDIT CARD

The Capital One Platinum Secured Credit Card doesn’t have a points program, so you won’t get any rewards. But since this card is more about utility than perks, use it wisely to build your credit and then graduate to a rewards card when your credit history allows.

The card also has a higher APR than many of its competitors. If you’re concerned about interest charges, a secured card with a lower APR may work just as well for rebuilding your credit (with responsible use, of course).

CAPITAL ONE PLATINUM SECURED CREDIT CARD CARDHOLDER SCORES

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:
Current ScoresPast Scores
Overall Score81.781.4
Features Satisfaction8.18.1
Customer Service8.28.2
Website/App Usability8.28.2
Likelihood of Continuing to Use8.68.4
Recommend to a Friend/Colleague8.18.0

HOW THE CAPITAL ONE PLATINUM SECURED CREDIT CARD COMPARES TO OTHER SECURED CREDIT CARDS

Capital One Platinum Secured Credit Card vs. First Progress Platinum Select Mastercard®

First Progress Platinum Select Mastercard® Secured Credit Card

Both cards report to all three major credit bureaus and both cards require a refundable security deposit, but the First Progress Platinum Select Mastercard® Secured Credit Card matches your credit limit to your deposit amount (from $200- $2,000).

Though it has a lower APR than the Capital One Platinum Secured Credit Card, it also has a $39 annual fee.

Plus, you can qualify for this card without a minimum credit score or a credit check. So, you can apply for this card without an inquiry showing up on your credit report, which can be helpful if you're trying to limit inquiries.

The First Progress Platinum Select Mastercard® isn’t chip-enabled, so if you’re traveling abroad, you’ll want to carry another card in your wallet. Because of the additional perks and no annual fee, the Capital One Platinum Secured Credit Card is the better pick.

Capital One Platinum Secured Credit Card vs. Citi® Secured Mastercard®

Citi<sup>®</sup> Secured Mastercard<sup>®</sup>

Neither the Capital One Platinum Secured Credit Card nor the Citi® Secured Mastercard® has an annual fee (Citi is a CardRatings advertiser). Like Capital One, Citi® asks applicants to make a refundable security deposit that will be equal to their credit limit.

In the case of the Citi® Secured Mastercard®, that minimum security deposit is relatively high at $200; however, Citi also offers the possibility of a higher credit limit – up to $5,000.

The Citi card also offers free access to your FICO score so you can follow your score as you build your credit. You can also choose the payment due date that works best for your finances.

Because the features and fees for both cards are similar, choosing the best one between the two is a matter of whether you need to start out with a higher credit limit.

Capital One Platinum Secured Credit Card vs. OpenSky Secured Visa

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is another secured card option that comes with an annual fee, in this case $35. Pay your security deposit and enjoy a credit limit of $200-$3,000 with the opportunity to raise that limit to $5,000 within the first year with responsible use and payment.

Once again, you're dealing with an annual fee, but if you foresee wanting a higher credit limit soon, this could be a better option for you. You can also open an OpenSky Secured Visa without a credit check or even a checking account, so this could be a great option for individuals starting from the ground up with their credit history.

IS THE CAPITAL ONE PLATINUM SECURED CREDIT CARD A GOOD SECURED CREDIT CARD?

This card might be a good card for anyone who is currently using a prepaid debit card or unsecured credit card because of a credit history in need of rebuilding. The Capital One Platinum Secured Credit Card is also a reasonable option for college students and first-timers who need to establish credit, especially since it doesn't require an annual fee to carry.


Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Capital One Platinum Secured Credit Card Compared to Other Bad credit Cards

top Источник: https://www.cardratings.com/credit-card/capital-one-secured-mastercard

Capital One Platinum Secured Credit Card Review: Great for a Low Security Deposit

Top perks

No annual fee: This card already has a big leg-up on many of its peers because it doesn't have an annual fee. Considering that some secured credit cards have annual fees and monthly maintenance fees that can add up to more than $200 per year, the Capital One Platinum Secured Credit Card is a compelling bargain due to the fact it doesn't have either of these things.

Low deposit requirement: The Capital One Platinum Secured Credit Card has three different deposit requirements, depending on your creditworthiness. To get a $200 credit limit, you will have to deposit $49, $99, or $200, depending on your income and credit score. Many other secured cards require you to deposit an amount equal to your credit line ($200 for a $200 credit line, for example) regardless of your creditworthiness. The potential to get started with a smaller deposit than other cards makes this a top choice.

You can graduate to an unsecured card: With as few as five on-time payments, your credit limit on your Capital One Platinum Secured Credit Card can be increased above $200. In addition, you may be eligible for graduation, which happens when the card issuer returns your security deposit, thus turning your secured card into an unsecured credit card. This card could easily be one that you have for the rest of your life, enabling you to eventually have years of positive credit history buoying your credit report.

Credit score monitoring: Capital One offers an app known as CreditWise®, which allows you to track your credit score over time. This is an important feature for a credit card in this category.

Источник: https://www.fool.com/the-ascent/credit-cards/capital-one-secured-mastercard-review/

Capital one secured credit card online payment -

What to do if you're denied a secured credit card

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

A secured card works just like a traditional credit card with one big difference: You have to pay a deposit in order to get one.

Secured cards are specifically on the market for people who have no credit history, poor credit history or a damaged credit score. They are often considered a surefire way to build credit. With deposits as low as $49 (for the Capital One® Secured Mastercard®), they are meant to be accessible.

However, that doesn't mean that it's guaranteed you'll be approved for a secured card. A card issuer can still deny your application if you don't meet the underwriting requirements.

Below, Select reviews why you might not qualify for a secured credit card and what to do if you've recently been denied. 

Can you be denied a secured credit card?

Usually, the biggest obstacle to getting a secured credit card is coming up with the refundable deposit that acts as collateral in case you don't pay your bill.

Most deposits are around $200, and if you want a higher credit limit, you'll need to deposit more money. The First Tech® Federal Credit Union Platinum Secured Mastercard®, for instance, allows cardmembers to deposit as much as $25,000 to receive an equivalent line of credit.

But even if you have the money for a deposit, you can be denied a secured card if your credit profile is deemed too risky to a lender. Each lender, or card issuer, has a set of standards as to what an ideal borrower looks like. This includes your credit score, your income and your current and former debts. If you have a long history of late or missing payments, delinquent accounts and/or bankruptcy, a prospective lender will have a harder time taking a chance that you'll be a reliable borrower.

In this case, the lender may say no and you'll need to rely on other means to build your credit history.

What to do if you don't qualify for a secured credit card

If you've been denied a secured credit card, the card issuer or lender should have sent you written notice explaining the reasons why you don't qualify. Read the letter thoroughly and call the issuer if you have any questions.

You should also comb through your credit report to make sure it's accurate. One in four Americans have an error on their credit report according to a 2012 study by the FTC. (Read more about how to dispute an error on your credit report.)

Next, consider other ways to build credit. These could include:

  • Credit builder loans:These "loans" require that you make monthly deposits into a savings account before you can get your money. Doing so builds your credit score and establishes good habits, but you have to be careful as many charge extra fees. 
  • Become an authorized user:This option lets you "piggy-back" off of a friend or family member's good credit score by linking your credit report to theirs. You should only choose this option if both you and the primary cardholder are comfortable sharing financial responsibility, as your behaviors will have an impact on the other person's credit score.  
  • Report utility and rent payments: Use Experian Boost to report your on-time bill payments for rent and services like internet, cable, cell phone and utilities.
  • Sign up for a free or paid credit monitoring service: Monitoring your score keeps you up-to-date on what's happening behind the scenes as you build or improve your credit. Select recommends CreditWise® from Capital One as the best free service and IdentityForce® as the best paid service.

After taking the above steps, try applying for a new card in six months to a year. (Check out our list of best credit cards for building and improving credit.)

Learn more:

Information about the Capital One® Secured Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

To learn more about IdentityForce®, visit their website or call 855-979-1118.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Источник: https://www.cnbc.com/select/denied-secured-credit-card/

Capital One Platinum Secured Credit Card review: Build credit with no annual fee

CAPITAL ONE PLATINUM SECURED CREDIT CARD FEATURES

With no annual fee, a free credit tracking tool, Platinum Mastercard® benefits and Apple Pay capabilities, the Capital One Platinum Secured Credit Card goes beyond the basics secured cards typically offer. Plus, its low minimum security deposit requirement make it an even more attractive option for individuals looking to build or rebuild their credit history with responsible use.

Capital One Platinum Secured Credit Card best features:

  • No annual fee
  • Chip-enabled
  • Receive an initial credit line of $200 after making a security deposit of $49, $99 or $200. Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit.
  • Regular reporting to all three major credit bureaus
  • $0 fraud liability if your card is ever lost or stolen
  • Select your own monthly payment due date
  • Get Platinum Mastercard® benefits, including auto rental insurance, price protection and 24/7 roadside assistance
  • Use with Apple Pay

Top Features

 Regular APR

26.99% (Variable)

WHAT OUR EDITORS LIKE MOST ABOUT THE CAPITAL ONE PLATINUM SECURED CREDIT CARD

The Capital One Platinum Secured Credit Card has all the basics someone needs to build or rebuild their credit (with responsible use), with the addition of a few perks you don’t normally get with secured credit cards.

Pay a refundable security deposit of $49, $99 or $200 based on your credit history and receive an initial credit line of $200. You can pay more than your required security deposit before your account opens to increase your initial credit line up to a maximum of $1,000.

Financial education and responsible use are important when you’re building or rebuilding your credit. Capital One makes sure cardmembers have access to this information through its Financial Education site. The site features content about budgeting, balancing a checkbook and investing as well as additional resources that connect cardmembers to financial literacy programs (some of which are free). And if you want more tips about how to use credit wisely, follow Capital One's Twitter handle, @YourFutureEdge, to get more financial education.

The Capital One Platinum Secured Credit Card, which reports to all three major credit bureaus, also helps cardmembers learn how to improve and build their credit through responsible use through CreditWise®. The tool, available to people even beyond Capital One cardholders, gives you unlimited access to your credit score and free financial tools to help you better manage your credit. One unique feature of the tracker is a Credit Simulator, which shows you how specific actions can affect your credit score. With these tools, Capital One is doing more than providing a platform for people to rebuild their credit, it's doing the proverbial "teaching a man (or woman) to fish."

The Capital One Platinum Secured Credit Card also has Platinum Mastercard benefits like rental car insurance, 24/7 roadside assistance, price protection that reimburses you the price difference if you pay more for an eligible item, and automatic travel accident insurance when you use your card to purchase a trip.

But one of our favorite features of the Capital One Platinum Secured Credit Card, is the option to select your own due date, making bill management just a little bit easier.

POTENTIAL DRAWBACKS OF THE CAPITAL ONE PLATINUM SECURED CREDIT CARD

The Capital One Platinum Secured Credit Card doesn’t have a points program, so you won’t get any rewards. But since this card is more about utility than perks, use it wisely to build your credit and then graduate to a rewards card when your credit history allows.

The card also has a higher APR than many of its competitors. If you’re concerned about interest charges, a secured card with a lower APR may work just as well for rebuilding your credit (with responsible use, of course).

CAPITAL ONE PLATINUM SECURED CREDIT CARD CARDHOLDER SCORES

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:
Current ScoresPast Scores
Overall Score81.781.4
Features Satisfaction8.18.1
Customer Service8.28.2
Website/App Usability8.28.2
Likelihood of Continuing to Use8.68.4
Recommend to a Friend/Colleague8.18.0

HOW THE CAPITAL ONE PLATINUM SECURED CREDIT CARD COMPARES TO OTHER SECURED CREDIT CARDS

Capital One Platinum Secured Credit Card vs. First Progress Platinum Select Mastercard®

First Progress Platinum Select Mastercard® Secured Credit Card

Both cards report to all three major credit bureaus and both cards require a refundable security deposit, but the First Progress Platinum Select Mastercard® Secured Credit Card matches your credit limit to your deposit amount (from $200- $2,000).

Though it has a lower APR than the Capital One Platinum Secured Credit Card, it also has a $39 annual fee.

Plus, you can qualify for this card without a minimum credit score or a credit check. So, you can apply for this card without an inquiry showing up on your credit report, which can be helpful if you're trying to limit inquiries.

The First Progress Platinum Select Mastercard® isn’t chip-enabled, so if you’re traveling abroad, you’ll want to carry another card in your wallet. Because of the additional perks and no annual fee, the Capital One Platinum Secured Credit Card is the better pick.

Capital One Platinum Secured Credit Card vs. Citi® Secured Mastercard®

Citi<sup>®</sup> Secured Mastercard<sup>®</sup>

Neither the Capital One Platinum Secured Credit Card nor the Citi® Secured Mastercard® has an annual fee (Citi is a CardRatings advertiser). Like Capital One, Citi® asks applicants to make a refundable security deposit that will be equal to their credit limit.

In the case of the Citi® Secured Mastercard®, that minimum security deposit is relatively high at $200; however, Citi also offers the possibility of a higher credit limit – up to $5,000.

The Citi card also offers free access to your FICO score so you can follow your score as you build your credit. You can also choose the payment due date that works best for your finances.

Because the features and fees for both cards are similar, choosing the best one between the two is a matter of whether you need to start out with a higher credit limit.

Capital One Platinum Secured Credit Card vs. OpenSky Secured Visa

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is another secured card option that comes with an annual fee, in this case $35. Pay your security deposit and enjoy a credit limit of $200-$3,000 with the opportunity to raise that limit to $5,000 within the first year with responsible use and payment.

Once again, you're dealing with an annual fee, but if you foresee wanting a higher credit limit soon, this could be a better option for you. You can also open an OpenSky Secured Visa without a credit check or even a checking account, so this could be a great option for individuals starting from the ground up with their credit history.

IS THE CAPITAL ONE PLATINUM SECURED CREDIT CARD A GOOD SECURED CREDIT CARD?

This card might be a good card for anyone who is currently using a prepaid debit card or unsecured credit card because of a credit history in need of rebuilding. The Capital One Platinum Secured Credit Card is also a reasonable option for college students and first-timers who need to establish credit, especially since it doesn't require an annual fee to carry.


Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Capital One Platinum Secured Credit Card Compared to Other Bad credit Cards

top Источник: https://www.cardratings.com/credit-card/capital-one-secured-mastercard

Best Secured Credit Cards Of November 2021

Best Overall

Discover it® Secured Credit Card

Up to 2% Reward Rate

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earnRead More

Welcome Bonus

Cashback Match™

Regular APR

22.99% Variable

Credit Score

New/Rebuilding Credit

Why We Picked It

In the secured credit world, the Discover it® Secured Credit Card stands above the competition. With an unlimited 1% cash back rate on all purchases, plus 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, no penalty APR and no annual fee, we love this card for those who need to rebuild their credit. The matching cash back reward at the end of your first year is a sweet bonus.

Pros & Cons

  • No annual fee
  • Cash back rewards earning is uncommon for a secured card
  • Free FICO score access each month
  • Cashback Match doubles cash back rewards earning at the end of the first year
  • Rewards are capped
  • Secured cards don’t provide many of the perks unsecured cards do
  • Secured cards require refundable deposits

Card Details

  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score.
  • Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click “Apply Now” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Navy Federal Members

Navy FCU nRewards® Secured Credit Card *

1X Reward Rate

Earn 1X points per dollar spent

Credit Score

Bad/Poor (0 - 649)

Why We Picked It

A secured card with no annual fees, no balance transfer fees and rewards, the NRewards is a solid choice for those who qualify and are eligible for the Navy Federal Credit Union.

Pros & Cons

  • No annual fee
  • No foreign transaction fees
  • Earn 1 point per dollar spent
  • No cash advance fees
  • Navy Federal requires membership, which means you need to have at least a grandparent or grandkid that’s a veteran or active military member
  • As a secured card, the account requires a deposit

Card Details

  • Cell Phone Protection: Your Navy Federal Credit Card can provide extra protection for your cell phones
  • 18% fixed APR on purchases
  • No annual fee
  • Earn 1X points per dollar spent
  • No rewards limit: Spend more, earn more. Continue to accrue more until you’re ready to redeem
  • Points redeemed for cash, statement credit, gift cards and merchandise
  • Tap to Pay: Make purchases quickly and securely with your nRewards card
  • No cash advance fees
  • No balance transfer fees

Choosing Your Own Bonus Category

Bank of America® Customized Cash Rewards Secured Credit Card *

Bank of America® Customized Cash Rewards Secured Credit Card

Up to 3X Reward Rate

Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores or home improvementRead More

Regular APR

23.99% variable

Credit Score

Bad/Poor (0 - 649)

Why We Picked It

A secured card with no annual fee and the ability to earn rewards, this Bank of America card can provide a way forward for those needing to build their credit profile.

Pros & Cons

  • Earns rewards while building credit
  • No annual fee
  • Reports to FICO
  • Requires security deposit
  • Bonus categories require opt-in

Card Details

  • Add your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay
  • 23.99% variable APR on purchases and balance transfers
  • No annual fee
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement & furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn unlimited 1% cash back on all other purchases
  • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account
  • Now, you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking

Choosing Your Own Bonus Category

U.S. Bank Cash+® Visa® Secured Card *

U.S. Bank Cash+® Visa® Secured Card

Up to 5X Reward Rate

5% cash back on on the first $2,000 in combined eligible purchases each quarter in two categories of choice, 2%Read More

Regular APR

25.99% variable

Credit Score

Bad/Poor (0 - 649)

Why We Picked It

Not only does it earn rewards, which is rare among secured cards but you can choose your own bonus adventure from a list of several everyday common spending areas.

Pros & Cons

  • High cash rewards rates in select categories, especially for a secured card
  • Ability to graduate to an unsecured card with good payment behavior
  • Reports to all three major credit bureaus
  • Cardholders must enroll each quarter to get the bonus rewards
  • Rewards expire after 36 months if not redeemed
  • Categories eligible for higher earnings may not align with your spending

Card Details

  • Earn 5% cash back on on your first $2,000 in combined eligible purchases each quarter in two categories you choose, 2% cash back on eligible purchases in your choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases
  • Choose payment due date
  • $0 annual fee

Flat-Rate Cash Back

Bank of America® Unlimited Cash Rewards Secured Credit Card *

Bank of America® Unlimited Cash Rewards Secured Credit Card

Unlimited 1.5X Reward Rate

Earn unlimited 1.5% cash back on all purchases

Regular APR

23.99% variable

Credit Score

Bad/Poor (0 - 649)

Why We Picked It

Earns an easy-to-manage 1.5% cash back on all your spending without tracking categories or spending caps.

Pros & Cons

  • Simple rewards structure is easy to manage
  • Potential to graduate to an unsecured card with good payment behavior
  • Preferred Rewards members can earn even higher rewards on their spending when minimum balance requirements are met
  • There are other secured cards that may earn you higher rewards.
  • There’s a foreign transaction fee
  • Somewhat high minimum deposit of at least $300 required

Card Details

  • Earn unlimited 1.5% cash back on all purchases
  • Cash rewards don’t expire
  • Establish, strengthen or rebuild your credit
  • No annual fee

Earning Points

U.S. Bank Altitude® Go Visa® Secured Card *

U.S. Bank Altitude® Go Visa® Secured Card

Regular APR

25.99% variable

Credit Score

Bad/Poor (0 - 649)

Why We Picked It

If your biggest expenses are on dining and takeout, this is one of the best secured card offers available.

Pros & Cons

  • Reports to all three major credit bureaus
  • No annual fee
  • Comes with a $15 annual streaming credit for eligible services
  • Minimum deposit of $300 is required
  • Non-bonus categories earn so-so rewards
  • Other secured cards may offer rewards that better align with your spending

Card Details

  • Earn 4x points on dining and takeout, 2x points at grocery stores, gas stations and on streaming services and 1x point on all other eligible purchases
  • Earn a $15 streaming credit for annual streaming service purchases like Netflix and Spotify
  • $0 annual fee

Low Interest Rate

First Progress Platinum Select Mastercard® Secured Credit Card

Regular APR

13.99% (Variable)

Credit Score

Bad Credit (0 - 649)

Why We Picked It

One of a small handful of secured cards where a recently discharged bankruptcy won’t automatically disqualify you from getting approved.

Pros & Cons

  • Low APR on purchases, especially for a secured card
  • Reports monthly to all three major credit bureaus
  • No credit check required to apply
  • There’s an annual fee
  • No rewards
  • Maximum credit limit is $2,000

Card Details

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

Earning Back Your Deposit

Capital One Quicksilver Secured Cash Rewards Credit Card

Regular APR

26.99% (Variable)

Credit Score

Limited, Bad

Why We Picked It

For those who don’t mind paying a security deposit to unlock access to rewards earning, this card may be worth considering.

Pros & Cons

  • Unlimited 1.5% cash back reward on all eligible purchases
  • No foreign transaction fees

Card Details

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you’re approved in seconds
  • Building your credit? Using a card like this responsibly could help
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit with CreditWise from Capital One. It’s free for everyone and checking your credit does not hurt your credit score
  • Earn unlimited 1.5% cash back on every purchase, everywhere. No rotating categories or limits to how much you can earn. It’s that simple

The Best Secured Credit Cards

Источник: https://www.forbes.com/advisor/credit-cards/best/secured/

Capital One Platinum Secured Credit Card Review: Great for a Low Security Deposit

Top perks

No annual fee: This card already has a big leg-up on many of its peers because it doesn't have an annual fee. Considering that some secured credit cards have annual fees and monthly maintenance fees that can add up to more than $200 per year, the Capital One Platinum Secured Credit Card is a compelling bargain due to the fact it doesn't have either of these things.

Low deposit requirement: The Capital One Platinum Secured Credit Card has three different deposit requirements, depending on your creditworthiness. To get a $200 credit limit, you will have to deposit $49, $99, or $200, depending on your income and credit score. Many other secured cards require you to deposit an amount equal to your credit line ($200 for a $200 credit line, for example) regardless of your creditworthiness. The potential to get started with a smaller deposit than other cards makes this a top choice.

You can graduate to an unsecured card: With as few as five on-time payments, your credit limit on your Capital One Platinum Secured Credit Card can be increased above $200. In addition, you may be eligible for graduation, which happens when the card issuer returns your security deposit, thus turning your secured card into an unsecured credit card. This card could easily be one that you have for the rest of your life, enabling you to eventually have years of positive credit history buoying your credit report.

Credit score monitoring: Capital One offers an app known as CreditWise®, which allows you to track your credit score over time. This is an important feature for a credit card in this category.

Источник: https://www.fool.com/the-ascent/credit-cards/capital-one-secured-mastercard-review/

Earn 5% cash back on gas

anywhere Mastercard is accepted

(on first $6,000 per year, then 1%)**

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Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 3% cash back on dining and takeout**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 1% cash back on other purchases**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Acceptance at all Sam's Club

and Walmart® locations nationwide

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

check-mark

Sam's Club
Credit Card

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Sam's Club
Mastercard

Doubles as your membership card

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Источник: https://www.samsclub.com/content/credit

At any bank, if you have a low credit score, you’re only likely to get a credit limit increase if you’re getting close to your existing credit limit. So if you got that email, you probably had a few thousand dollars of Capital One credit card debt at an interest rate of at least 20 percent. That implies you were probably paying Capital One around $40 in interest per month or more. You might want or need to borrow more money on top of what you’ve already borrowed, but I always thought it was a little bit sick for us to be telling people to “enjoy” their higher credit line. It felt more than a little like shouting, “Enjoy getting into more debt, suckers!” before disappearing in a cloud of smoke and speeding off in a Tesla.

In my coworkers’ defense, nearly everyone agreed with me that repeating “more...more...more” in that email was redundant, if not manipulative, and we eventually changed the text. But the pitch still represented an irreconcilable gap: While the recipients of the email might, at best, regard it as one additional debt instrument to deploy for the next financial emergency lying in wait, Capital One employees must have imagined that borrowers were positively excited to take on more debt as soon as possible. 

Sadly, this latter view was not completely unreasonable. As Scott Schuh and Scott Fulford have shown in a paper for the Federal Reserve of Boston, people who get credit limit increases tend to keep their “utilization” constant. In other words: If a person is carrying a $1,500 balance when they have a $3,000 credit limit, you’d expect them to start carrying a $4,000 balance if the limit is raised to $8,000. If most people use the full credit-limit increases they are offered, the thinking goes, that must mean that most people want to borrow more money. If you lend them more money, you are “meeting customers’ needs.” 

Because the borrower’s pain was not at the forefront for analysts, lingo like “pBad” (the percentage of people who can’t repay their loans), “second-order risk” (when customers who would have been able to repay a small loan default because they borrowed more than they could handle), “flow rates” (the percentage of people who will miss the next payment), “HBRs” (high-balance revolvers, or people who have a lot of debt) is not analogous to a military planner referring to “collateral damage” to talk about dead civilians. It is far more abstract. 

Источник: https://newrepublic.com/article/155212/worked-capital-one-five-years-justified-piling-debt-poor-customers
capital one secured credit card online payment

Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

food truck for sale san antonio 1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards capital one secured credit card online payment under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Capital one secured credit card online payment account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card capital one secured credit card online payment receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides credit card vs debit card fraud liability for unauthorized transactions. Cardmember must notify Capital one secured credit card online payment Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic The master key system book in hindi. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Bank of america won t let me log in are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Capital one secured credit card online payment Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card

Capital One Platinum Secured

This card is best for people who can’t get approved for traditional credit cards and want to improve their credit scores. It also is good for people who don’t have a lot of money saved to put down for a deposit.

We also recommend this card for people who are able to pay their bill in full each month. This will help your credit score, and you’ll also avoid paying the high interest charges that come with this card.

Keeping your balances low saves you on interest, and it keeps your credit utilization ratio low, too. Utilization ratio shows how much of your total available credit has been used, and it is an important factor in your credit score.

Pros
  • No annual fee

  • Partial security deposit for some cardholders

  • Higher credit limit for on-time payments capital one secured credit card online payment larger deposits

Cons
  • High interest rate

  • Low maximum credit limit

Pros Explained

  • No annual fee:You won’t have to worry about an annual fee with this card. And if you pay your bill in full and on time each month, you won’t have to worry about any other charges either, making this card totally free to use. 
  • Partial comerica online bank statement deposit for some cardholders: Capital One may require you to put down one of three different deposit amounts ($49, $99, or $200) to get access to a $200 credit line. If you pay only $49 or $99, then your deposit is only partially secured, and you get the benefits of a bigger credit line for less money upfront. 
  • Higher credit limit for on-time payments and higher 2021 jaguar f type coupe Make your monthly payments on time, and Capital One will automatically consider increasing your credit line after six months. This, too, can help increase your credit score by improving your utilization ratio. 

Cons Explained

  • High interest rate: The Capital One Platinum Secured has a relatively high-interest rate. That means you’ll pay a lot in interest if you carry a balance from month to month. On the flip side, if you pay off your charges in full each month, Capital One won’t charge you any interest at all. 
  • Low maximum credit limit: A $1,000 credit limit isn't much. You could get capital one secured credit card online payment higher credit limit with competing cards.

Capital One Platinum Secured's Excellent Perks

This isn’t a rewards card, but it does offer one perk under the general Capital One umbrella that you might find useful:

  • No Foreign Transaction Fee: Use the card when traveling abroad and you won't pay extra in fees. Many competing cards charge a fee.

Capital One Platinum Secured's Other Features

  • Creditwise from Capital One
  • ATM location services
  • ENO assistant
  • Card lock

Customer Experience

Capital One has a decent reputation for customer service. In the J.D. Power 2020 U.S. Credit Card Satisfaction Study, it ranked fifth out of 11 national credit card issuers. It scored 808 points, just below the average of 810.

The company does, however, make it capital one secured credit card online payment to work with them. If you have questions about your account, you can call customer service 24 hours a day, seven days a week. Aside from your online account, you also can manage your account from a mobile app. You can even text a chatbot assistant named Eno to answer simple questions about your account.

Capital One also offers a free credit monitoring service called CreditWise. Anybody, even noncustomers, can sign up. The service provides details about your credit reports, shows you a credit score, and monitors your credit.

Security Features

If you’ve signed boost mobile pay bill espanol for CreditWise, you’ll get alerts if your Social Security Number or other identifying information is found on the dark web. 

If you lose your card or otherwise want to prevent it from being used, you can lock it via the app. Capital One also offers free virtual credit card numbers for online transactions. 

Capital One Platinum Secured's Fees

The Secured Mastercard from Capital One doesn’t hit cardholders with a lot of fees. If you make your payments on time and pay off the balance in full each month, there won’t be any other fees or interest charges.

Источник: https://www.thebalance.com/capital-one-secured-card-review-4693073

Earn 5% cash back on gas

anywhere Mastercard is accepted

(on first $6,000 per year, then 1%)**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 3% cash back on dining and takeout**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Earn 1% cash back on other purchases**

cross-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Acceptance at all Sam's Club

and Walmart® locations nationwide

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Doubles as your membership card

check-mark

Sam's Club
Credit Card

check-mark

Sam's Club
Mastercard

Источник: https://www.samsclub.com/content/credit

Capital One Platinum Secured Credit Card Review: Great for a Low Security Deposit

Top perks

No annual fee: This card already has a big leg-up on many of its peers because it doesn't have an annual fee. Considering that some secured credit cards have annual fees and monthly maintenance fees that can add up to more than $200 per year, the Capital One Platinum Secured Credit Card is a compelling bargain due to the fact it doesn't have either of these things.

Low deposit requirement: The Capital One Platinum Secured Credit Card has three different deposit requirements, depending on your creditworthiness. To get a $200 credit limit, you will have to deposit $49, $99, or $200, depending on your income and credit score. Many other secured cards require you to deposit an amount equal to your credit line ($200 for a $200 credit line, for example) regardless of your creditworthiness. The potential to get started with a smaller deposit than other cards makes this a top choice.

You can graduate to capital one secured credit card online payment unsecured card: With as few as five on-time payments, your credit limit on your Capital One Platinum Secured Credit Card can be increased above $200. In addition, you 511511 republic bank and trust be eligible for graduation, which happens when the card issuer returns your security deposit, thus turning your secured card into an unsecured credit card. This card could easily be one that you have for the rest of your life, enabling you to eventually have years of positive credit history buoying your credit report.

Credit score monitoring: Capital One offers an app known as CreditWise®, which allows you to track your credit score over time. This is an important feature for a credit card in this category.

Источник: https://www.fool.com/the-ascent/credit-cards/capital-one-secured-mastercard-review/

Want to view and manage your credit card payments online?

View, edit or cancel a scheduled payment

To view pending payments, go to your Payment Activity page. All of your pending online, mobile, phone and AutoPay payments will show up on this page in the Pending Payments section. You can edit or cancel a pending payment here too.

View processed payments

To view processed payments, go to your Payment Activity page. All of your processed online, mobile, phone and AutoPay payments will display on this page in the Payment History section. You cannot edit or cancel a payment that has been processed.

View your payment history

To view your payment history, go to your Payment Activity page. You can see your history in the Payment Capital one secured credit card online payment section.

View your minimum payment

To view your minimum payment due this capital one secured credit card online payment, sign on to your account, click Pay Bill. Your minimum due will be shown once you click Choose Amount.

On this page you can view your current minimum payment and other account information. If you have not received your first statement, we have not calculated your due date, and you don't owe us a payment yet.

Источник: https://www.capitalone.com

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This is a carousel slider that displays 2 slides at a time of 6 total slides. Inactive slides are hidden for all users. Slides may be accessed 2 at a time with the left and right arrow keys or by swiping. All content contained in the slider is available in website navigation or elsewhere on the page.

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Products

a perfect complement to  our services.

RATES

Go ahead and compare. We don't mind.

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HOME LOANS

Ding dong ditch your rent payment. 

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JOIN CAPITAL

Be part of something bigger. Become a member and own your credit union. 

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Ready to share your talents? See how you can contribute to Capital today.

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CAREERS

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MEMBER UPDATES

Never have I ever missed an update from Capital. What else would I do on a Friday night?

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This is a carousel slider that displays 1 slide at a time of 3 total slides. Inactive slides are hidden for all users, and may be accessed with the left and right arrow keys or by swiping. All content contained in the slider is available in website navigation or elsewhere on the page.

This is a carousel slider that displays 2 slides at a time of 3 total slides. Inactive slides are hidden for all users, and may be accessed with the left and right arrow keys or by swiping. All content contained in the slider is available in website navigation or elsewhere on the page.

Skip the services slider

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Источник: https://www.capitalcu.com/

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