Need a little Guidance

[Anonymous]

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

[tcbofade]

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

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Hmmm.  I've never gone the secured card route, so I may not be the most qualified to answer this, but if it were me, I wouldn't dump anything...I'd pay down balances and manage the accounts to grow some history and let credit scores rise, then look at Discover when your scores are ready.

[Imperfectfuture]

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

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This question should be asked in the main forum.  We do not discuss new apps here (sigh, the topic at hand).

[Anonymous]

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

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Very timely post. It is always a good time to close Credit One. I would sit tight on the Cap One card, and wait until your scores improve to where you could get a regular discover. 

[tcbofade]

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@Anonymous wrote:

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

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Very timely post. It is always a good time to close Credit One. I would sit tight on the Cap One card, and wait until your scores improve to where you could get a regular discover. 

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Good point. 

Good morning boys and girls. 

I think that I'm getting a little burned out... I'm tired.  Gotta go to job B again today, and don't expect much in the way of dollars.  I know it's backwards, but the busier days are better for me...more work, but more dollars too.  The easy days are BORING and I can't help but think of all of the things that I need to do at home, which causes me to be a bit of a grump at work.

Maybe I'll just call in dead. 

[Anonymous]

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@tcbofade wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

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Very timely post. It is always a good time to close Credit One. I would sit tight on the Cap One card, and wait until your scores improve to where you could get a regular discover. 

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Good point. 

Good morning boys and girls. 

I think that I'm getting a little burned out... I'm tired.  Gotta go to job B again today, and don't expect much in the way of dollars.  I know it's backwards, but the busier days are better for me...more work, but more dollars too.  The easy days are BORING and I can't help but think of all of the things that I need to do at home, which causes me to be a bit of a grump at work.

Maybe I'll just call in dead. 

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You are obviously a hard worker and a great source of encouragement on here,  Be sure to get yourself some rest,

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

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Very timely post. It is always a good time to close Credit One. I would sit tight on the Cap One card, and wait until your scores improve to where you could get a regular discover. 

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Thank you for the info.  I will wait until I get my first CLI on cap1 and than close my open sky secured card and my credit one card.  Than, I will continue to hang out in the garden and work on my credit score before worrying about anything else

[Imperfectfuture]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Should I dump my capital bank and credit one cards for secured discover?  Or just dump those cards and worry about discover when I am able to get thier unsecured card?

---

Very timely post. It is always a good time to close Credit One. I would sit tight on the Cap One card, and wait until your scores improve to where you could get a regular discover. 

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Thank you for the info.  I will wait until I get my first CLI on cap1 and than close my open sky secured card and my credit one card.  Than, I will continue to hang out in the garden and work on my credit score before worrying about anything else

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Slept in today, so this got pulled out of garden thread (for those going huh?). Maybe pick up a secured CU card.  Internal algorithms like two CU accounts on file (shows we are steady or something).  I opened a 500 secured installment loan in October 2014.  Now, paid down to under 9%, think 28 payments to go.  I pay 1.50 a month (used to be 11.12,  less than the cost of a credit report or my Fico pull).  My scores really took a jump at the 16 month mark (when I payed it down).  I also have a CU card, my oldest active, that graduated from secured.  So that makes two accounts.  Something to consider.