11-09-2012 04:05 PM
Capita one and DCU would be my top two choices or start, and probably a wells fargo secured or a local credit union if possible, just make sure the card graduates, you don't want to lose AAoA when you close the accounts for better ones.
DCU is good cause they givve you a free fico score monthly for having an account with them Fico EQ04
Is this credit union only for people in that state? Ive never seen any of these banks in NC.
11-09-2012 07:42 PM
Uhhh, I didnt really decide against the cap one, I had just read so many negative things about them I just wanted to do more research I guess and see what else could be out there for me, if any. I do however see your point and I may just do that, and get the cap one card.
Capital One is one of the best for people builidng and rebuilidng credit. AF and terms are reasonable. You can try the prequalify on their website, and they generally approve what the offer you. I suggest you do that and take the best they offer, even the secured card.
This site includes a lot of Capital One bashers and AMEX proponets. I disagree with both.
11-09-2012 09:55 PM
Matrix? I just got one and it is my first of 2 starter cards (other Cap1) I jumped on the Matrix without looking up info on them, I don't think I read one good thing. $100 deposit for $300 limit and bill was in the mail (annual fee) the same day the card got here. Rates are through the roof, $10 charge to pay by phone , $75 annual feeI and closed on the weekends. The only thing good about it was it jumped by score by 44pts As far as the Cap1 I got nothing bad to say about them at all. Take the cap1 card over Matrix..trust me. If you don't beleave me just read what people have to say about them.
11-10-2012 06:30 AM
Thanks for your reply and the advise. Yea I think I will just get the cap one card for now and garden that to see where that will take me.
Thank you all,