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WHICH SECURED CARDS?! CITI or BOA or FIFTH THIRD 5/3? Please help me FICO Pals!

Member

Re: WHICH SECURED CARDS?! CITI or BOA or FIFTH THIRD 5/3? Please help me FICO Pals!

Go with Capital One or HSBC/Orchard Bank. I was denied for Citi Secured 05/10, applied in bank, gave deposit and weeks later they sent me my check back in the mail with a denial. BOA not BK friendly. I applied on line for cap one secured, easy breezy. Once approved you can pay your deposit online and you get your card in about 2 weeks. So dont waste the inquiry with Citi or BOA. US Bank BK friendly after 7 years with good payment history. No info about 5/3


Starting Score: 498
Current Score: 542
Goal Score: 700 Club


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Message 11 of 15
Established Member

Re: WHICH SECURED CARDS?! CITI or BOA or FIFTH THIRD 5/3? Please help me FICO Pals!

Thank you Keen!


Starting Score(02/10): EQ: 340 -- TU: 340
Current Score(07/10): EQ: 580 -- TU: 565
Goal Score: 680


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Message 12 of 15
Valued Contributor

Re: WHICH SECURED CARDS?! CITI or BOA or FIFTH THIRD 5/3? Please help me FICO Pals!

How is PNC for people with past BK7?  For their secured card and also for unsecured credit?

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Message 13 of 15
Valued Member

Re: WHICH SECURED CARDS?! CITI or BOA or FIFTH THIRD 5/3? Please help me FICO Pals!

I always have to come in and say New Millenium Bank. I had them and they were great to me. I was able to get an unsecured card 1 year later after having them, when I closed my account they saved my secured check fed ex overnight (after closing my card) and that was that. good luck Smiley Happy

Message 14 of 15
Senior Contributor

Re: WHICH SECURED CARDS?! CITI or BOA or FIFTH THIRD 5/3? Please help me FICO Pals!

 


alphawav wrote:

I always have to come in and say New Millenium Bank. I had them and they were great to me. I was able to get an unsecured card 1 year later after having them, when I closed my account they saved my secured check fed ex overnight (after closing my card) and that was that. good luck Smiley Happy


New Millenium was a "fee harvester" card and IMO too expensive to be recommended to almost anyone.   The point is mute since they agreed to stop issuing cards in May 2010 due to problems discovered by Federal regulators. 

 

Message 15 of 15