Regular Contributor
Posts: 189
Registered: ‎11-27-2011


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:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650

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Posts: 12,952
Registered: ‎04-15-2011

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
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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!
Valued Contributor
Posts: 1,737
Registered: ‎08-13-2012

Re: Advice...

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

Starting Score: 560
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