{"buyer_scenarios":[{"fit":"best_suited","scenario":"Consumers with limited cash who may qualify for a $49 or $99 initial deposit (openai, deepseek, grok, kimi)"},{"fit":"best_suited","scenario":"Applicants seeking a no-annual-fee secured card (all platforms)"},{"fit":"best_suited","scenario":"People willing to pay the balance in full each month to avoid the high APR (openai, google, kimi)"},{"fit":"best_suited","scenario":"Consumers who want three-bureau reporting to accelerate credit score improvement (anthropic, deepseek, kimi)"},{"fit":"not_best_suited","scenario":"Applicants who require certainty that the deposit will be below $200, since the low deposit tier is creditworthiness-dependent and not guaranteed (openai, deepseek, perplexity)"},{"fit":"not_best_suited","scenario":"People likely to carry balances who need a lower APR, since the 28.99% variable APR makes revolving balances expensive (openai, anthropic, google, kimi)"},{"fit":"not_best_suited","scenario":"Consumers seeking cash-back rewards during the credit-building phase, since the Platinum Secured offers no rewards (anthropic, kimi, google)"},{"fit":"not_best_suited","scenario":"Applicants who need a guaranteed graduation timeline to an unsecured card, since Capital One does not publish specific criteria (openai, anthropic)"}],"citations":{"source_mix":{"company_owned":18,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":5},"total_sources":28,"unique_domain_count":10},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards With Low Security Deposits","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Low-Deposit Secured Credit Cards","subject":"Capital One","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Capital One","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Capital One","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Capital One","unit":"platforms","value":4}],"consensus_findings":["Strong consensus on low-deposit capability","Unanimous agreement on no annual fee","Strong agreement on three-bureau reporting","Majority agreement on high APR as a limitation","Strong agreement on graduation potential"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Deposit amount conflict: $49 vs. $200 minimum","Annual fee conflict","Maximum credit limit disagreement","Graduation timing uncertainty"],"entities":[{"average_rank":1.2857142857142858,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Capital One","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/low-deposit-secured-credit-cards/capital-one.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/low-deposit-secured-credit-cards/capital-one","report_type":"fit_review","study_id":"CCI-STUDY-CC13AA57534B","title":"Capital One for Secured Credit Cards With Low Security Deposits Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-04 07:46:16.621372+00","research_date":"2026-09-04","source_snapshot_sha256":"20762139b774e1622ccdcff924b5fd96c07f3bfdfec19a4e89a4743eef021dbc","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":7,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"Capital One is a good-to-strong fit for consumers seeking Low-Deposit Secured Credit Cards, with all seven AI platforms that evaluated the company rating it as either \"good\" or \"strong\" for this use case. The Capital One Platinum Secured Credit Card was the most frequently cited product, named by all seven platforms, with an average listed rank of 1.29 and a best rank of 1. The strongest reason to consider Capital One is its potential $49 or $99 minimum security deposit for a $200 credit line—a feature several platforms described as rare among major issuers. The main limitation is that this…","target_buyer":"Consumers rebuilding credit who have limited cash available for a security deposit and want a lower-entry-cost secured card","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Minimum security deposit","three-bureau reporting","annual and other fees","approval accessibility","APR","graduation potential","credit-limit policy"],"geography":"United States","slug":"best-secured-credit-cards-with-low-security-deposits","title":"Best Secured Credit Cards With Low Security Deposits","use_case":"Low-Deposit Secured Credit Cards"}}