2 best secured CC

[superdad]

I need to get two Secured CC's.  What does everyone recommend?

[gdale6]

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@superdad wrote:

I need to get two Secured CC's.  What does everyone recommend?

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You would get more results in the credit card forum you can PM a mod and ask them to move it. IMO BoA & a local CU thast offers such

[superdad]

I need to get two secured CC's.  What does everyone recomend? Scores are around 456-540's

[myjourney]

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@superdad wrote:

I need to get two secured CC's.  What does everyone recomend? Scores are around 456-540's

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Best 2 IMHO 

BofA and SFDCU 

BofA will graduate SFDCU won't 

BofA will require a HP SFDCU won't SP

[superdad]

Do you have to be a member os sdfcu to get a card?

[Giovanni20]

Cap 1 - I started when I was 18 with a Secured Cap 1, no credit and now I've moved up and have a score of 727 it's been only 2 years. IMO thats pretty good being only 20. I then explored other options and such, I now have an AMEX GOLD, Wells Fargo - $2,500, Discover It - $3,000, SEC Cap 1 - $800. Good luck! 

[NWintellectual]

BofA is good if you don't have too many baddies on your CR (chargeoffs and collections) but they will decline you if they feel they can't graduate you in a reasonable timeframe. I went with US Bank. They didn't seem to care about the myriad of baddies I had but they will not auto graduate you to unsecured and they have a very stingy policy toward CLI (eligible after 6 months, then every 3 months after each additional deposit).

It really depends on your current credit score and what's on your report. We could give you a better idea if you were able to share a little more information.

[myjourney]

Please do not double post on multiple forums 

Thanks MJ

[doctorofcredit]

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@myjourney wrote:

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@superdad wrote:

I need to get two secured CC's.  What does everyone recomend? Scores are around 456-540's

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Best 2 IMHO 

BofA and SFDCU 

BofA will graduate SFDCU won't 

BofA will require a HP SFDCU won't SP

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If you go the BofA route, just remember that you can add rewards to it. Just call and ask.

I'd go the Harley Davidson card from USbank, graduates, has rewards program and no annual fee.

DCU is another good option, if you have a checking account you get a free FICO score as well.

Might be worth applying for discover it, some people are reporting they are getting targetted for a secured card.

[ChangeIsPossible]

If you are eligible for Navy Federal, I would try them. They also do not report as secured on report.

Wells Fargo is decent (I guess), they graduate in 12 months (they say), but also do report as secured on credit report!