Got my first rude NFCU rep when I called about a payment hold with NFCU. She had an attitude and told me the high balance would be reported and hung up on me during a sup transfer. Called back, got a better rep, advised I don't care about the hold as long as it doesn't affect my reporting. I paid a day before my statement closes.
Same thing happened with CapOne.
I don't understand payment holds on Secured Credit Cards.
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)