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Holding your money hostage is reason enough, IMHO.
@Anonymous wrote:
No AF so many see no reason to close it.
If it's 7 months I'd be happy my scores have gone up maybe 50Points (EQ has but I think the other two will be there two by the 7month mark).
I hopped on the bandwagon in February of 2016 and opened mine with a TU 618. SL of $400 then to $600 then to $800. Unsecured In October with a TU638 and got a CLI to $1750. Kept denying my CLI requests, waited one billing cycle and hit the CLI button and got a $3,950 CLI to 5700
We just paid off an auto loan .. .so maybe that will boost my score enough for it to unsecure ... we'll see
Not for me, unfortunately. I have had mine since February 2016, but my utilization has been high and my credit report is a work in progress, so it's understandable. Good luck to you
Seems like scores need to be 640s and higher for it to unsecure.
That isn't a scientific study, just my observations from those who have reported their graduation here.
@Anonymous wrote:Seems like scores need to be 640s and higher for it to unsecure.
That isn't a scientific study, just my observations from those who have reported their graduation here.
My TU was at 638 when it unsecured
Yeah. Mine was unsecured after 7 statements. And I haven't used the card even once. I asked for CLI immediately after and got a $500 CLI from $500 SL. I tried to asked again about a week later but it's been declined since. I'm not sure how long I have to wait from inital CLI to request for another.
Got this email on Nov 6.
Hopefully those who hasn't had theirs unsecure yet, it will be soon.