Credit Cards

[rootpooty]

Next week will be a year since I've had my 300cl secured card. I'll be calling to request that it become unsecured. When I first got it I had 7 derogs now down to one but it falls off in about 6 mos so I'm done messing with it. I have 3 accounts that are a year old and one that is 6 mos.

I believe they pull tu so only one inquiry in the past year and will let less that 10% util report. Income is 50k. I'm thinking if I'm lucky I'll get my 300.00 back and they will give me a 1k limit

[kpresod]

based on your current profile.....I think you're going to be. Approved for it !!! I wish you luck. I would make my first year with them in January 2013. 

[toppers555]

In regards to graduration I dont see any issue with you getting your unsecured, but no idea on credit limit increase. My limit was 5500  when I requested my card to be unsecured in sept, and  they hp TU.  I have excessive inqs due to student loans, and some recent new cards, and a judgement, and collection that falls off nect year.  Also make sure you utilization is low before requesting.  

[rootpooty]

Well I'm just reasonably expecting around 1k limit due to the fact that is my highest limit right now. I'll request that the 123 rewards be added and I know they will never waive the 39.00 annual fee. I'd just be happy to get my 300.00 back so I can use that for the holidays. Every bit helps