{"buyer_scenarios":[{"fit":"best_suited","scenario":"Consumers who want automatic consideration for unsecured graduation rather than having to manually reapply"},{"fit":"best_suited","scenario":"Applicants who may qualify for a deposit below the full initial credit limit through the Platinum Secured's $49 or $99 deposit path"},{"fit":"best_suited","scenario":"Consumers who want rewards during the secured phase through the Quicksilver Secured's 1.5% cash back"},{"fit":"best_suited","scenario":"Consumers who want to keep the account open after a possible upgrade and preserve its account history"},{"fit":"not_best_suited","scenario":"Consumers requiring a guaranteed graduation date or automatic graduation after a specified number of on-time payments"},{"fit":"not_best_suited","scenario":"Consumers who need certainty that the deposit will be returned without closing the account"},{"fit":"not_best_suited","scenario":"Applicants seeking the lowest possible ongoing APR rather than credit-building access"},{"fit":"not_best_suited","scenario":"Consumers who plan to carry monthly balances, given the high variable APR around 29%"}],"citations":{"source_mix":{"company_owned":12,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":8},"total_sources":30,"unique_domain_count":16},"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 That Graduate to Unsecured Credit","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":"Secured Cards With Unsecured Graduation","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":["deepseek","grok","kimi"],"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","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Capital One","unit":"platforms","value":4}],"consensus_findings":["Unanimous Agreement: Graduation Pathway Exists but Is Not Guaranteed","Strong Agreement: Deposit Returned Upon Graduation","Strong Agreement: Three-Bureau Reporting","Majority Agreement: No Annual Fee","Majority Agreement: High Variable APR","Majority Agreement: Account Can Remain Open After Graduation"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Factual Conflict: Annual Fee","Factual Conflict: APR Range","Disagreement: Graduation Timeline","Disagreement: Product Availability","Uncertainty: Deposit Return Mechanics","Uncertainty: Whether Graduation Preserves Account Age"],"entities":[{"average_rank":2.5714285714285716,"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/secured-cards-unsecured-graduation/capital-one.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/secured-cards-unsecured-graduation/capital-one","report_type":"fit_review","study_id":"CCI-STUDY-4D0510DB7F2F","title":"Capital One for Secured Credit Cards That Graduate to Unsecured 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.","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 10:56:35.805585+00","research_date":"2026-09-04","source_snapshot_sha256":"b6036895c4e4d6c3fbfbe7b937ccabf95690ce98ec2db41c42f401caa25c86fb","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":8,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"Capital One is a good fit for consumers seeking a secured credit card with a realistic path to unsecured graduation and deposit return while keeping the account open. All seven AI platforms that evaluated fit rated Capital One as either \"good\" or \"strong,\" and all seven platforms named Capital One during the ranking stage, giving it a perfect 100% platform mention share with an average listed rank of 2.57 and a best rank of 1. The strongest reason to consider Capital One is its combination of $0 annual fees, three-bureau credit reporting, and a documented—though not guaranteed—graduation…","target_buyer":"Consumers who want a secured card with a realistic path to unsecured credit and potential return of the security deposit while keeping the account open","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Graduation policy","review timing","deposit return process","three-bureau reporting","annual fees","APR","long-term account value"],"geography":"United States","slug":"best-secured-credit-cards-that-graduate-to-unsecured-credit","title":"Best Secured Credit Cards That Graduate to Unsecured Credit","use_case":"Secured Cards With Unsecured Graduation"}}