I GOT MY STATEMENT THIS WEEK FROM SCHOOLS CREDIT UNION. THEY HAVE JUST INTRODUCED THEIR NEW VISA PLATINUM CREDIT CARD, SECURED AND UNSECURED. I CURRENTLY HAVE A SECURED L.O.C WITH THEM FOR PROBABLY THE LAST 9 MONTHS......I WANT TO APPLY FOR THE UNSECURED PLATINUM VISA, BUT I DONT WANT TO GET DENIED, MY SAVING GRACE WILL BE THAT EVEN IF I AM DENIED, I CAN APPLY FOR THE SECURED CARD, AND BUILD THAT WAY SINCE I WAS GOING TO GET ONE ANYWAY FROM ANOTHER CREDIT UNION.....
WHATS YOUR SUGGESTION FICO FAM!
Starting Score: 612 EQ 6-1-2013 
@ezdriver wrote:What is the problem with applying and being denied? Unless you have a specific short-term objective that would be negatived affected by an inquiry, I say go for it. If you want credit, you will have to risk being denied sometimes. No guarantees.
NOTHING I GUESS, MAYBE I SHOULD GIVE IT A TRY AND SEE WHAT IT COMES BACK WITH...