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07-11-2013 06:00 PM
07-11-2013 07:01 PM
07-11-2013 07:40 PM
Both are with credit unions.
07-11-2013 08:01 PM
With my score being up from when I first got my cards in April, is it too soon to ask to have them switched over to unsecured? I only have two cards in my efforts to rebuild. My bk discharge was 2012 and will fall off my report this fall if it matters.
It's ok to ask but don't get down if they say no because you only have 3 months history and they like to see more than that after a major negative financial event
07-11-2013 09:16 PM
07-11-2013 09:26 PM
I don't have any first hand experience with secured cards, so take my words with a grain a salt.
From what I've read on the forums, the general advice is to stick with secured for six months, and then app for (different) unsecured. Others have had luck graduating their secured cards into unsecured with the same bank, and thus keeping the same account/history.
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