Capital One Secured MasterCard Review

One of many being declined for this secured no-risk credit card. This company does run [credit score] checks for approval for a secured credit card which seems like an oxymoran for this product but anyway they do it. People are being denied for this card left and right after having their credit further damaged by a needless inquiry. Needless for a couple reasons, but mainly due to not disclosing the minimum required score on their application process and they have one. In my case, I sent the full deposit of $200 to them electronically (their system allows this prior to approval), which I did in good faith. They requested an income statement after filing the application, which cost me time and money to provide and which was not the cause of the decline. The credit score was. Something they could have both disclosed ahead of time or decided immediately and automatically. There is a 10 day hold on deposited funds before you can even request they be sent back. .

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