Secured Credit Cards that Graduate

[ttrations]

Can anyone tell me a few secured cards that gradute?  Thanks!

[Scupra]

NFCU nRewards has a chance of graduating on the 12th statement if you are eligible to join.

[ttrations]

Great!  I have that card w/them but for some reason didn't recall nothing that.  Thanks!

[ezdriver]

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@ttrations wrote:

Can anyone tell me a few secured cards that gradute?  Thanks!

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I had one from Wells Fargo bank that "graduated".

[asphaltcowboy]

There are many post on here of the Bank of America secured card

[Revelate]

BOFA - reliably graduates 

Wells: Oujia board and chicken sacrifice to graduate

NFCU: if you can get access most people don't need their secured product at all; I wasn't aware it graduated either but I've sort of tuned out a lot of the NFCU information .

Not sure on USBank, not aware of anyone else that does it.

Generally speaking I personally rate secured card graduation pretty far down the list of desirables; however, given that BOFA is hands down the best secured card it's worth taking the shot on anyway especially as one can get the AF removed later and they have a reasonable rewards lineup unlike some others and it becomes a no-cost tradeline farm absolute worst case.

[Brusilov]

From what I understand US Bank's secured card will graduate at 12 months but it isn't an automatic process.  You need to call in to request it.

[09Lexie]

@Rev

'Chicken sacrifice to graduate'...that's a good one!

[ttrations]

Thanks for the info. I think I will just work with the cards that I have by reducing the utilization and continuing to clean up my credit. Then I will try to apply for other cards that will have a higher limit and will grow with me. My concern is that I get "stuck" with cards that won't grow with me. I currently have a secured Amex with USAA, 2 cards with Cap 1, (1 secured), JCP, and Walmart.

[Revelate]

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@ttrations wrote:
Thanks for the info. I think I will just work with the cards that I have by reducing the utilization and continuing to clean up my credit. Then I will try to apply for other cards that will have a higher limit and will grow with me. My concern is that I get "stuck" with cards that won't grow with me. I currently have a secured Amex with USAA, 2 cards with Cap 1, (1 secured), JCP, and Walmart.

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The vast majority of lenders cards won't grow with you technically (only a select few are in the top tier rewards cards which is the typical end-game from a pure credit card perspective).  I wouldn't worry about more cards, 5 is way more than enough for positive history purposes.