BOFA secured vs unsecured

[Durtyd29]

I've been reading all the posts about the BOFA secured card and what other people are going through in order to get one.  I already have a Orchard Bank card with a CL of $300..smh and I'm looking to get another card to start boosting my score while I clean up the flaws on my CR.  I started chatting online with one of the reps and was told first, that they do a hard pull for either CC but offered me a unsecured card with a $500 CL with no annual fees.  Should I go with that or stick with getting the secured card?  Looking for some good advice.

[Wolf3]

Is the Orchard secured or unsecured.    How much would you deposit for BofA secured.

[Anonymous]

I chose the secured card, but its because I couldn't qualify for an unsecured card.

[Anonymous]

Since you already have an Orchard Bank card, you better not to apply. Or apply only store cards such as macy's and bloomingdale's. Just wait to receive any pre-approval offers. Perhaps you may want to avoid gas cards. I think you will start receiving massive pre-approval letters after 1 year from amex, capitalone, and other prime banks.

[Durtyd29]

The Orchard card is unsecured. The minimum deposit for the BOFA secured would be $300 and that would be my limit.

[Durtyd29]

I already have a badcock furniture store retail account which I have to find out why they aren't reporting. I have a CL of $1400 with a $0 bal.  Ive had it about a year and it isn't on my EQ or TU report.  I haven't seen my EX so I don't know if they are reporting it on there either. So, is it better to just hold off for a while or go for it? My Orchard Bank CC bal is $0.  I use around the middle of the month up to half of the CL and then PIF on the 1st.  Is this helpful in building my score?

[Wolf3]

I would accept the BofA unsecured of $500.    Higher limit is better.

You might consider (if you can afford it) opening a secured card with someone else with a much larger limit.

[Durtyd29]

Thanks Wolf3.  I'm going to see if the same offer is still on the table today and if so go for it.