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@pizza1 wrote:
To be honest... I'd take a $500 secured CC with them and keep it for 9 yrs until after my BK fell off reports, just so I'd have a well known major lender showing on my reports. But that's just me. If I applied and was declined, but offered a secure instead, me personally, I'd take it! Of course I'm talking what I personally would do. I'd live to have a secure card with them, even if it didn't unsecure for 9 yrs, lol
In the OP's case, he has Wells Fargo, Discover, AMEX, and Capital One. I think he's good without BofA.
Current Score: EQ 699 TU 719 EX ? as of April-2016
I got US Bank and WF (both secured) when my scores were mid 500.
I have discussed graduation of both cards numerous times and niether will graduate until CR show zero collections and Zero unpaid accounts.
I have First Premier Charge off that has been paid in full since November, reporting a zero balance, but listed as chareg off in status.
Still US Bank and Wells Fargo will not gtraduate them. I wilol close both on their upcoming anniversary before AF kicks in. Also, US Bank will hold secured funds until 2 billing cycle show no activity after written request to close account.... then return funds