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Still 50/50 on BOA Secured offer (turned down on unsecured!).
On one hand I can wait until my bad falls of Experian and re-apply, that costs me a pull for one thing.
If I take the secured, which I get will help me upgrade to unsecured if I pay well, will HAVING a secured card on my credit report negatively affect manual review?
My other option I was thinking of was saying to them, since my score was 700+ at the time they pulled, is that I am considering doing $300 on the secured, can they just do an unsecured for that amount? Currentl lines I have range from $3k - $10k.
And I'm sure you've read nothing but good things about BoA and how generous they are when growing with you!?!
I think that the only time that a secured card is a problem is if that is all you have, and I think I remember that you have others that are unsecured. There's another thread going by someone who has only 2 secured cards (plus a store card, I think) with very short history. My feeling about secured cards is that everyone has to start somewhere.
nyccc2 wrote:
Still 50/50 on BOA Secured offer (turned down on unsecured!).
On one hand I can wait until my bad falls of Experian and re-apply, that costs me a pull for one thing.
If I take the secured, which I get will help me upgrade to unsecured if I pay well, will HAVING a secured card on my credit report negatively affect manual review?
My other option I was thinking of was saying to them, since my score was 700+ at the time they pulled, is that I am considering doing $300 on the secured, can they just do an unsecured for that amount? Currently lines I have range from $3k - $10k.