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Reply to "repairing credit"
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[quote=Anonymous]When DH and I were looking to improve his credit, we ended up opening a secured card with Capital One. It's been great. He started with the $300 or so max that they would allow him and then after a few months of paying it on time they let him increase a few hundred, and then again a few months later. I will say he also paid close attention to how much he spent to make sure he was spending enough, and to pay as soon as they posted the bill (before the actual due date) because Capital One gives 21 days grace period interest free. Within about 6 months we saw some improvement and it's been going up ever since. As I remember there is a difference between prepaid and secured, where secured will effect your credit and prepaid usually will not. DH looked around a lot for the best card and we've been very happy with CO. There haven't been any surprise fees or anything. Good luck, OP![/quote]
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