robertkinder wrote:I too would take the secured card. In a lot of ways it is better than the 99/500 because you can set a higher limit and it seems by some of the other post that I have read you have a better shot at a higher cli when they do convert.
I totally agree. And, this is coming from someone who had the 99/500 card.I would SO NOT reapply. Why waste a hard inquiry when they already told you what you were eligible for? Take the secured and deposit as much as you can to give yourself the best potential for CLI when it graduates!