Discover Secured or NFCU Secured Card?

[Anonymous]

Which do you guys recommend or do you recommend both?

Trying to rebuild my credit and get my scores up. I already applied for the non-secured with NFCU and did a re-con and was recommend to do the secured.

I had thought about getting the Discover Secured and then applying in 3-4 months with Navy Federal for a non-secured or what do you guys suggest?

[Anonymous]

One of each! They are two of the best and will grow along with you.

[Anonymous]

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@Anonymous wrote:

Which do you guys recommend or do you recommend both?

Trying to rebuild my credit and get my scores up. I already applied for the non-secured with NFCU and did a re-con and was recommend to do the secured.

I had thought about getting the Discover Secured and then applying in 3-4 months with Navy Federal for a non-secured or what do you guys suggest?

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if you only have funds for one, you should do the Discover. The rewards can't be beaten as far as secured cards go.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Which do you guys recommend or do you recommend both?

Trying to rebuild my credit and get my scores up. I already applied for the non-secured with NFCU and did a re-con and was recommend to do the secured.

I had thought about getting the Discover Secured and then applying in 3-4 months with Navy Federal for a non-secured or what do you guys suggest?

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if you only have funds for one, you should do the Discover. The rewards can't be beaten as far as secured cards go.

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How is the Citi Secured?

[Anonymous]

I have had both and would like to share my experience so your mileage may vary. I opened Discover secured with $200 and NFCU secured with $500. A year goes by and both go unsecured like clockwork. So I figure, great let's CLI these puppies! Discover says no and NFCU gives me $8k AND approves me for a second unsecured card at $8k. About 6 months after that I CLI my Discover and nope denied. I CLI my NFCU and both jump to $16k unsecured. In my opinion, banking with NFCU has been great when you show you are responsible and make all of your payments. Discover on the other hand I am on the verge of just walking away from. $200 is my lowest limit and just a joke at this point. Another thing, when NFCU gave me my $16k limits they also got both of my cards Visa Signature Cash Rewards. Treat NFCU good and they'll do the same.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Which do you guys recommend or do you recommend both?

Trying to rebuild my credit and get my scores up. I already applied for the non-secured with NFCU and did a re-con and was recommend to do the secured.

I had thought about getting the Discover Secured and then applying in 3-4 months with Navy Federal for a non-secured or what do you guys suggest?

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if you only have funds for one, you should do the Discover. The rewards can't be beaten as far as secured cards go.

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How is the Citi Secured?

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Nothing special and takes a long time to unsecure. I just wanted to establish a relationship early with them.

[Anonymous]

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@Anonymous wrote:
I have had both and would like to share my experience so your mileage may vary. I opened Discover secured with $200 and NFCU secured with $500. A year goes by and both go unsecured like clockwork. So I figure, great let's CLI these puppies! Discover says no and NFCU gives me $8k AND approves me for a second unsecured card at $8k. About 6 months after that I CLI my Discover and nope denied. I CLI my NFCU and both jump to $16k unsecured. In my opinion, banking with NFCU has been great when you show you are responsible and make all of your payments. Discover on the other hand I am on the verge of just walking away from. $200 is my lowest limit and just a joke at this point. Another thing, when NFCU gave me my $16k limits they also got both of my cards Visa Signature Cash Rewards. Treat NFCU good and they'll do the same.

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I have also seen some people get great credit limits from Discover.  But, I see your point. Discover could also be a good way to get into the door. You could have probably unsecured with Navy Federal. 

[Anonymous]

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@Anonymous wrote:
I have had both and would like to share my experience so your mileage may vary. I opened Discover secured with $200 and NFCU secured with $500. A year goes by and both go unsecured like clockwork. So I figure, great let's CLI these puppies! Discover says no and NFCU gives me $8k AND approves me for a second unsecured card at $8k. About 6 months after that I CLI my Discover and nope denied. I CLI my NFCU and both jump to $16k unsecured. In my opinion, banking with NFCU has been great when you show you are responsible and make all of your payments. Discover on the other hand I am on the verge of just walking away from. $200 is my lowest limit and just a joke at this point. Another thing, when NFCU gave me my $16k limits they also got both of my cards Visa Signature Cash Rewards. Treat NFCU good and they'll do the same.

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I got an unsecured card with NFCU when my score was low 600's and 6 months in I'm at 10k CL. 

Shame to hear about Disco. They must really dislike something in your profile.

[Anonymous]

I believe there is some internal issue going on with Discover CLIs for previously secured cards (Said to get fixed by months end). I wouldn't walk away; Discover is a great company to do business with.