Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 1,749
Registered: ‎08-18-2007

Re: Should I switch secured CC or get a secound one

Hi Paying, I am going to speak with you about this in the other forum.


I will answer your hippa question there.

Frequent Contributor
Posts: 353
Registered: ‎01-29-2009
0 Kudos

Re: Should I switch secured CC or get a secound one

[ Edited ]

oracles wrote:

Hi Paying


No, people here have been able to do a product change the same day their card was unsecured and they still did not have stellar credit. With the worldpoints card, people have been able to do a PC without an inq, however for the BofA amex card, they will do a hard due to the card having a 5k minimum limit.


I think you will be fine with the PC to the worldpoints


Hope this helps and keep us updated



Just got off the phone with BoA. They are sending me the Worldpoints card, and once it gets here in 2-3 weeks, I can activate it and request a CLI!!!!


Woohoo, thanks a bunch for the advice guys!


Those backdoor numbers kick ass!

Message Edited by PayingTheBills on 02-18-2009 09:42 AM

Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU

My Credit Repair Journal
Valued Contributor
Posts: 1,749
Registered: ‎08-18-2007
0 Kudos

Re: Should I switch secured CC or get a secound one

Great job Paying and congrats


Keep us updated on how much of an increase you received

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.