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Regular Contributor


I already have 2 cards for my rebuilding process. Cap 1 (secured) and Orchard Bank (Cap1 1 unsecured). Both have $300CL . I have made attempts to request a limit increase on each card and have been turned down each time. I know that I can make a deposit for the secured card, but was hoping they would give an increase based on my payment history. I'm starting to see why so many of you dislike Cap1. I have $500 to deposit towards Cap1 or try to get a secured card from my local credit union. Which road should I go down?

Starting Score:Equifax 543
Current Score:EQ659 TU 716 EXP677 updated 7/3/2016
Goal Score: 700

Message 1 of 3
Moderator Emeritus

Re: Advice...

I would say go with your CU.  There is possible growth there vs Cap1 or Orchard.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 3
Valued Contributor

Re: Advice...

  • I agree.....Crappy one ain't never get you go nowhere......
  • when you gonna apply for morgate ???

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800

Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 3