Capital One Secured Card funds
I have now had my Capital One secured card for two years. My credit is not so great after my husband was in an accident and we used a credit counselling service. We paid all our debt and the credit counselling debt in full 2 1/2 years ago. We have virtually no debt, own our house and both our cars.
I do work for a furniture store which does its own credit services and they have been kind enough to extend credit to my husband and I, so we are building credit there.
I want my secured funds back though...how long do I have to have the secured card for before the funds are returned to me and I qualify for a regular card? I do carry a small balance on the card, to build credit and always make my monthly payments.
What else can I do to build credit quickly? At this point the bank won't even give us overdraft...although we have plenty invested in GIC's with them.