12-19-2008 12:58 PM
Got a card from Hooters last month 11-19, 500 CL but with all the recent problems with Merrick Bank Im not sure how long they will allow me to keep the card before I get a letter from them advising that they're going to close my account for no reason...
So my question is Ive had a secured card with FNBO for a little over a year should I dump it since I now have an unsecured card? They dont give the graduation option like some other cards like BOA after satisfactory performance etc. OR should I just apply for another unsecured bank card like Juniper? OR should I try for another secured card with the graduating option
12-19-2008 03:13 PM
12-19-2008 03:19 PM
I would say get a household bank card or a capital one card. they wouldn't be secured and you could get both of those most likely with your current credit.
possibly even apply for a bank of america platinum and hope to get counter offer for 99/500 card or else get fully secured with then, it graduates as soon as 9 months.
12-19-2008 03:28 PM
12-19-2008 03:32 PM
I get so irritated when I get someone at the bank that does not even know there products!
you can apply online for just there platinum card and you will get a counter online if they won't approve. but with bank of america, you should always do a reconsideration with a credit specialist, they have the power to approve!
Capital one gets a lot of mixed reviews, but in the end people that get it when they can't get anything else, probably wouldn't trade it for having nothing!! get it and use it for what it is, a stepping stone, they are not super great usually about growing with you to the extend other banks do like bank of america.
12-19-2008 03:52 PM
12-19-2008 03:55 PM
there have been a lot of posts on the Citi Upromise card in low 600's.
cabelas... lol I got them, but I hear they are starting to question why people are applying if they have not bought before.
chase I think is a little harder
12-19-2008 04:10 PM
12-19-2008 04:14 PM
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.