Capital One Low Rate Guaranteed MASTERCARD Consumer Reviews

Hi, so here is my detailed experience. I started with a score of 542 in May 2019 with 2 derogatory accounts and 1 collection account. I had no active credit card or loan anything at all since I couldn't pay them anymore in July 2015. I applied to Capital one and another Bank the 23/05/2019. I went down to 530 for those 2 applications. I got approved only for a Guaranteed Capital One. I used my card monthly for under 25% of the limit and pay in full every month until this January 2020 my score went in the meantime from 530 to 593 and they sent me a credit limit increase of 3000$ at the beginning of the month. It is still a secured card and they are keeping my initial deposit of 375$. They asked for a 75$ deposit to have a 300$ limit but I decided to send 375$ to have a 600$ limit instead. After 7 months my score went up 63 points and had an automatic credit increase of 3000$ without asking them.