Reply
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: CITI CD WITH SECURED CREDIT


casinoannie97 wrote:

 

I don't know if you can add on.  check out the site.  But the interest is great opposed to getting nothing from most secured cards.

 


i did check it out.  i couldn't find anything pertaining to that.  was wondering if someone had asked or found out.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: CITI CD WITH SECURED CREDIT

I have the Citi Secured Card and I tried adding money to the CD about a year ago and they didn't allow it.
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: CITI CD WITH SECURED CREDIT


YoungEntrepeneur wrote:
I have the Citi Secured Card and I tried adding money to the CD about a year ago and they didn't allow it.

 

Does Citi secured graduate to unsecured after a year or so?
IAALBNYL
Frequent Contributor
Posts: 321
Registered: ‎10-25-2009
0

Re: CITI CD WITH SECURED CREDIT


O6 wrote:

YoungEntrepeneur wrote:
I have the Citi Secured Card and I tried adding money to the CD about a year ago and they didn't allow it.

 

Does Citi secured graduate to unsecured after a year or so?
Their website states that it may become unsecured at 18 months. Of course, that all depends on how much they like you.
:smileywink: 

 

Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.
Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: CITI CD WITH SECURED CREDIT

My Citi Secured Card is set to unsecure next week. I received a letter from Citi two weeks ago stating that they are going to refund my deposit of $200 and grant an initial CL of $400.
Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: CITI CD WITH SECURED CREDIT


O6 wrote:

YoungEntrepeneur wrote:
I have the Citi Secured Card and I tried adding money to the CD about a year ago and they didn't allow it.

 

Does Citi secured graduate to unsecured after a year or so?

No, after 18 months.

Established Contributor
Posts: 680
Registered: ‎10-02-2007
0

Re: CITI CD WITH SECURED CREDIT

Young -

 

Congrats on your CL of 400.00

 

If I may ask..over the 18 months did you pif each month?

How much was the most you charged in a month?

 

Thanks 

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: CITI CD WITH SECURED CREDIT


YoungEntrepeneur wrote:
I have the Citi Secured Card and I tried adding money to the CD about a year ago and they didn't allow it.

well boooooooo.  i thought maybe i could just start with 500 & add to it every month, so it's not such a big chunk all at once.  but i guess i will just wait.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
New Member
Posts: 4
Registered: ‎02-26-2010
0

Re: CITI CD WITH SECURED CREDIT

[ Edited ]

 

Does anybody know how this card reports? Does it report as secured on the CR?

Also, is this hard to obtain? I plan to do this with Citi... I have a 644... thoughts?

 

***Edit - Does the CITI CD SECURED card report to CRA's?***

Message Edited by jdw00ds on 02-26-2010 12:12 PM
Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: CITI CD WITH SECURED CREDIT


laz98 wrote:

YoungEntrepeneur wrote:
I have the Citi Secured Card and I tried adding money to the CD about a year ago and they didn't allow it.

well boooooooo.  i thought maybe i could just start with 500 & add to it every month, so it's not such a big chunk all at once.  but i guess i will just wait.


That's what my plan was but it backfired.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.