about a month ago I applied for the secured capital one and BOA but was denied.. I have an auto loan with no lates that Ive been paying for 15 months but just traded it in for a new 2013 camry only have a 2.85 interest rate.. I also have a unsecured loan for $430 the balance I owe still is $295... Have like 5 collections some are paid that I need to get removed... score went up 18 points from 560-578 on equifax on June 8th.. not sure if my transunion went up...
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I have to say that they were pretty good to me. I needed to rebuild and they gave me a "secured" chance. Adding them to my profile is why I have two Amex's, a Discover and good card with my CU. I also have a good interest rate on my car and a new mortgage. I won't keep them forever but when I needed them they had my back (albeit at a high %). I didn't use the card much but again, the TL got me to where I am today.
goosedog wrote:
@b_seeker wrote:If you are looking for a good secured card with no credit check, look into SDFCU.
https://www.sdfcu.org/creditcards
Good luck trying to open an account with them. You are better off hitting the lottery.
I didn't have any problems. I lived in Alexandria at the time though and just walked into the branch. They set me up with an account the same day. I don't think it cost me anything. They even put $1 into a savings account for me so that I wouldn't have to deposit anything.
EX:694 TU:744 EQ:777