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Valued Member
anybodii
Posts: 125
Registered: ‎05-31-2011

Re: First time CC holder!

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‎02-15-2012 01:57 PM

I think Cap1 is the best secured card to start out. I believe when I had it they reported before I had the card and the AF was only $29, but included free quarterly score/report. ( FAKO )

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bearsfan34
Posts: 102
Registered: ‎03-15-2011

Re: First time CC holder!

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‎02-15-2012 02:52 PM

anybodii wrote:

I think Cap1 is the best secured card to start out. I believe when I had it they reported before I had the card and the AF was only $29, but included free quarterly score/report. ( FAKO )

+1 I completely agree. 

Starting Score: 557 2/12
Current Score: 664 EQ 681 TU
Goal Score: 710

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Frequent Contributor
currentlywinning
Posts: 481
Registered: ‎01-14-2012

Re: First time CC holder!

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‎02-15-2012 04:53 PM

I hope I havent short changed myself...:smileysad:

Just keep swimming...just keep swimming...just keep swimming, swimming, swimming....
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Valued Member
anybodii
Posts: 125
Registered: ‎05-31-2011

Re: First time CC holder!

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‎02-15-2012 05:20 PM

I wouldn't think of it that way, your card will do what you want it to do, build credit. After at least 6 months you'll probably be able to get an unsecured card with no AF, for sure after 11 months... Giving you enough time to ditch that card if you do not want to AF, the card will still be reported as 11 months helping your average age of accounts...

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Frequent Contributor
currentlywinning
Posts: 481
Registered: ‎01-14-2012

Re: First time CC holder!

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‎02-15-2012 05:22 PM

Thanks for that perspective! Thats the best way to think of it! It will serve its purpose either way!!!:smileyhappy:

Just keep swimming...just keep swimming...just keep swimming, swimming, swimming....
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Regular Contributor
luvsandyshores
Posts: 158
Registered: ‎04-04-2010

Re: First time CC holder!

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‎02-15-2012 07:05 PM

When I got my Orchard secured card it reported before I even got the card in the mail.
EQ: 630 (9/13/12)
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