{"buyer_scenarios":[{"fit":"best_suited","scenario":"Cash-constrained applicants: Those who cannot afford a full $200 security deposit may qualify with a $49 or $99 deposit for a $200 credit line ."},{"fit":"best_suited","scenario":"Consumers seeking no annual fee: The $0 annual fee reduces the cost of keeping the account open during the rebuilding period ."},{"fit":"best_suited","scenario":"Applicants wanting three-bureau reporting: The card reports to Equifax, Experian, and TransUnion, supporting comprehensive credit rebuilding ."},{"fit":"best_suited","scenario":"Borrowers seeking graduation potential: Automatic review for credit-line increases in as little as six months provides a plausible path to unsecured status ."},{"fit":"not_best_suited","scenario":"Consumers seeking rewards: The card offers no cash back or points. The Capital One Quicksilver Secured Cash Rewards Credit Card offers 1.5% cash back with a $0 annual fee but requires a $200 minimum deposit ."},{"fit":"not_best_suited","scenario":"Applicants who plan to carry balances: The 28.99% variable APR makes revolving balances highly expensive ."},{"fit":"not_best_suited","scenario":"Consumers needing guaranteed approval or guaranteed graduation: Approval, deposit amount, and unsecured conversion are individualized and not guaranteed ."},{"fit":"not_best_suited","scenario":"Applicants wanting a large initial credit line: The initial line is typically $200, with maximum limits through deposits capped at approximately $1,000 to $3,000 ."}],"citations":{"source_mix":{"company_owned":10,"independent":15,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":8},"total_sources":25,"unique_domain_count":15},"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 for Rebuilding Bad Credit","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Secured Cards for Rebuilding Bad Credit","subject":"Capital One Platinum Secured Credit Card","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Capital One Platinum Secured Credit Card","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Capital One Platinum Secured Credit Card","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Capital One Platinum Secured Credit Card","unit":"platforms","value":2}],"consensus_findings":["No Annual Fee and Three-Bureau Reporting Are Core Strengths","Low Deposit Entry Point Is a Standout Feature","High APR Is the Primary Drawback","Graduation Potential Exists but Is Not Guaranteed","No Rewards Program"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["APR Figure Variance","Three-Bureau Reporting Verification","Deposit Range Confusion","Graduation Timeline Variance","Fee Disclosure Gaps"],"entities":[{"average_rank":1.6666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Capital One Platinum Secured Credit Card","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/secured-cards-rebuilding-bad-credit/capital-one-platinum-secured-credit-card.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/secured-cards-rebuilding-bad-credit/capital-one-platinum-secured-credit-card","report_type":"fit_review","study_id":"CCI-STUDY-C54B2C629E2E","title":"Capital One Platinum Secured Credit Card for Secured Credit Cards for Rebuilding Bad Credit 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation."],"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 05:44:45.585746+00","research_date":"2026-09-04","source_snapshot_sha256":"ef86f4fe7e1ad744a4d0f5c52f5c8d1f639283d3d02531cce902bc7d3e34505d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"The Capital One Platinum Secured Credit Card is a strong fit for consumers with damaged credit seeking to rebuild through a secured card. Six of seven AI platforms named it during ranking discovery, and five of seven rated it a \"strong\" fit while two rated it \"good.\" Its strongest advantage is the deposit structure: eligible applicants may open a $200 credit line with a refundable deposit as low as $49 or $99, well below the $200 minimum most competitors require. The main limitation is the high variable purchase APR of approximately 28.99%, which makes carrying a balance expensive. The card…","target_buyer":"Consumers with damaged credit who want a reputable secured card that reports positive payment history and can support long-term rebuilding","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Three-bureau reporting","approval accessibility","security deposit requirement","annual and other fees","APR","graduation potential","account-management features"],"geography":"United States","slug":"best-secured-credit-cards-for-rebuilding-bad-credit","title":"Best Secured Credit Cards for Rebuilding Bad Credit","use_case":"Secured Cards for Rebuilding Bad Credit"}}