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Established Contributor
Posts: 930
Registered: ‎10-02-2007
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High Limit Secured Card That Graduates...


Does anyone know of a high limit secured card that graduates 15-20k that would approve me with a 5 yr old BK


I know Wells Fargo limits go to 10k

Valued Contributor
Posts: 1,250
Registered: ‎02-03-2013
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Re: High Limit Secured Card That Graduates...

You might try a local credit union, most of the prime banks like you mention

are in the 5 - 10K range, good luck!!

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
New Member
Posts: 5
Registered: ‎01-28-2013
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Re: High Limit Secured Card That Graduates...

I put 10k into Wells Fargo. They all think I'm insane whenever I call them and they see that; however, I've been able to use the high limit to rocket my other credit limits on unsecured cards straight up. I finally graduated and will get my cash back in about two months (which is dumb, but such is life).

My credit wasn't bad, it was nonexistent.
US Bank Cash+ | Wells Fargo Secured Visa
Established Contributor
Posts: 985
Registered: ‎12-17-2012
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Re: High Limit Secured Card That Graduates...

The only secured card that I know of that allows limits of 20K plus is SDFCU and I think Citi Bank Secured has a limit up to 25K. SDFCU secured cards does not graduate but there is no limit to the secured card deposit.


From what I hear Citi secured can graduate after 18 months but havent seen to many with recent experience with Citi secured. You cant apply online, you have to request a paper app or perhaps do it over the phone.









Established Contributor
Posts: 842
Registered: ‎02-17-2011
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Re: High Limit Secured Card That Graduates...

My Citi Secured graduated at the 18 month mark. Right on the dot!  They also PC'd me to the Divedend Card and lowered my apr from 18.24 to 13.  Citi treated me well.  I also got a CLI when they graduated the card.  This happened last Month.

Amex Delta Gold 1.5K Amex HH 2k Amex PRG NPSL, AMEX BCE 2k, BOA Cash Rewards 1k, Barclay Jet Blue WMC 7K, Chase Freedom 16.5K Chase Southwest Premier Plus 7K Chase United Explorer 20.5K Chase Marriott 11K , Amazon Visa 3.5k, Discover $7K Gap Visa $8.5K; Walmart MasterCard 7.5K Sam's Club MC 9.5K Venture $15K Venture One 10K Quicksilver Visa Siggy 5K, Citi Shell MC 2k, Total Rewards Visa 4.2K Fuel Rewards MC 3K CITI AA Gold WEMC 8.4K Paypal Extras MC 8K, Citi Diamond WEMC 3.5K, Cit DC WEMC 3k, Citi Hilton Visa Siggy 8k.

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