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If you don’t want money tied up for 18 months. Maybe Bank of America would be a better option. Not sure how their program works. Believe it’s a year ?
In my personal experience my BoA Cash Rewards was secured and I got a check in the mail for the security deposit at the 11 month mark. They don't automatically waive the annual fee, though - its $39/annually and you can ask for a fee waiver but it isn't guaranteed to waive once it graduates. Citi's fee free so it depends on what you wanna do so far as that goes.
Welcome aboard.
I would suggest having a mod move this thread to the Rebuilding forums. Your questios seem more like strategy planning. You might find more specific answers to your questions there.
Good luck
@Meanmchinewrote:Welcome aboard.
I would suggest having a mod move this thread to the Rebuilding forums. Your questios seem more like strategy planning. You might find more specific answers to your questions there.
Good luck
+1
Hi @Anonymous, and welcome to myFICO!
I'm moving your thread to the 'Rebuilding Your Credit' board for additional exposure.
--UncleB
myFICO Moderator