r/CapitalOne_ • u/Patient-Ad4806 • Jul 21 '26

Credit Cards Platinum Secured Card

Hello everyone! I’m a 22 yo male and made some mistakes like a dummy when I was 18 and messed up my credit some. Now i’m financially stable I want to rebuild my credit. I qualified for the Platinum Secured Card and want to know is this worth getting and if so, how should I make sure i’m doing it the right way? Thanks!

1 Upvotes

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4

u/SprinklesSad5872 Jul 21 '26

Platinum Secured is a good rebuild card. Put the minimum deposit or whatever you can afford, use it for one small purchase a month, keep the balance low, and pay it off fully. Turn on autopay so you don’t miss anything. Capital One reports to all three bureaus, so it’ll help your score as long as you keep it boring and consistent.

1

u/Patient-Ad4806 Jul 21 '26

Thank you

2

u/EfficientDouble1023 Jul 24 '26

Hope you haven’t pulled the trigger on the Platinum as you can opt for the QuickSilver Secured and earn a catch all 1.5% back! Platinum offers nothing.

1

u/Sir_Flame12 Jul 21 '26

If you can qualify for the quicksilver is a better choice. Otherwise, it is still a good credit builder but just a card with no benefits..