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I'm planning to get a secured card but I don't know which company to go to. I'm looking for a company that is good with unsecuring secured cc so I can get my deposit after a good payment history and a company that is good with reporting to the EQ,TU,and EX.
I know BofA is good with unsecuring secured credit cards after 12 months of good payment history. I'm looking for another company because I'm getting two secured CC to rebuild my credit.
I believe the only other secured cards that can "graduate" to unsecured are US Bank, Citi and Wells Fargo.
As far as I have seen from others US bank is the most likely to graduate but they say you need a Fico around 680. it seems some people have had success graduating Citi and Wells after 18 months.
Citi does not offer a secured card app online, you have to request it our go into a branch.
The nice thing about US bank is that they have several co branded secured cards that offer rewards.
US bank is a good one to build a relationship with cause it can be harder to get in with them later. I have a 760 score and over 100k in credit limits and they still won't approve me for a Flexperks card =\ they're inquiry sensitive too without a relationship.
DCU is a sound choice digital credit union. Very good credit union and offers a 100% free fico score each month makes it a great choice for people rebuilding their credit.
BUMP
Whats the difference about DCU membership and CC?
So even if get approved for a CC but not get approved for membership. I wont get it? Is it hard to get a membership? You think a score of 623 will get approved?