Need Secured CC recommendation as per one's experience.

[Anonymous]

yeah your right, and if you look at it through these companies's eyes, when no one will approve us but orchard, they must see as as sub-prime borrowers too.. but for first year fees of 115, and only 27 dollars the first month, it looks much better than FPs 200+ dollars first month and over 250 first year, and Credit One's 75 dollar first month and near 140 first year, Orchard is the pick of the litter when you have a 539 FICO like i did when i applied.

but to get back on topic, the reason i have WF secured is because BofA denied me, and Citibank, i didnt like the 18month hold they have til they unsecure you..

[allaboutcredit]

When I went to "orchard card" site, I realized it's HSBC. And I hate HSBC. I had a HSBC card back home and hated it. Even my wife have had issues with it. So, we are sort of ANTI HSBC

Again folks, thanks for your input. It's very very informative !