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I closed two of my three secured cards at the beginning of this year. All have been replaced with unsecured. I held onto FNBO Kickstarter because they say it could unsecure. But I've hit the year mark with them and I've never received any kind of unsecured CLI, and they haven't unsecured it, despite a 150-pt. increase in my credit scores and a perfect payment record with them and the rest of my cards. Only baddies left are two small collections that are 2 years old and paid. Just can't get the GWs to work. Just wondering if you folks have experience with FNBO unsecuring, or not.
@crrredit wrote:I closed two of my three secured cards at the beginning of this year. All have been replaced with unsecured. I held onto FNBO Kickstarter because they say it could unsecure. But I've hit the year mark with them and I've never received any kind of unsecured CLI, and they haven't unsecured it, despite a 150-pt. increase in my credit scores and a perfect payment record with them and the rest of my cards. Only baddies left are two small collections that are 2 years old and paid. Just can't get the GWs to work. Just wondering if you folks have experience with FNBO unsecuring, or not.
Close it.
Have you tried reaching out to them and seeing if they will graduate the card? You could call and if they weren't willing to graduate close it on the same call.
@crrredit wrote:I closed two of my three secured cards at the beginning of this year. All have been replaced with unsecured. I held onto FNBO Kickstarter because they say it could unsecure. But I've hit the year mark with them and I've never received any kind of unsecured CLI, and they haven't unsecured it, despite a 150-pt. increase in my credit scores and a perfect payment record with them and the rest of my cards. Only baddies left are two small collections that are 2 years old and paid. Just can't get the GWs to work. Just wondering if you folks have experience with FNBO unsecuring, or not.
I had mine graduate after 12 months. I've now had the card for over 2 years at a $300 limit. They won't budge on the credit limit, and are generally unpleasant to deal with. Thus being my experience, I would save yourself the headache and close it!
@Anonymous wrote:
@crrredit wrote:I closed two of my three secured cards at the beginning of this year. All have been replaced with unsecured. I held onto FNBO Kickstarter because they say it could unsecure. But I've hit the year mark with them and I've never received any kind of unsecured CLI, and they haven't unsecured it, despite a 150-pt. increase in my credit scores and a perfect payment record with them and the rest of my cards. Only baddies left are two small collections that are 2 years old and paid. Just can't get the GWs to work. Just wondering if you folks have experience with FNBO unsecuring, or not.
Close it.
I think you're right.
@Anonymous wrote:Have you tried reaching out to them and seeing if they will graduate the card? You could call and if they weren't willing to graduate close it on the same call.
Yes, thought about that, but I'm thinking I will just close it regardless. Doesn't sound like it will grow, and it's my lowest CL by far. I think it's done it's job.
@huck1081 wrote:
@crrredit wrote:I closed two of my three secured cards at the beginning of this year. All have been replaced with unsecured. I held onto FNBO Kickstarter because they say it could unsecure. But I've hit the year mark with them and I've never received any kind of unsecured CLI, and they haven't unsecured it, despite a 150-pt. increase in my credit scores and a perfect payment record with them and the rest of my cards. Only baddies left are two small collections that are 2 years old and paid. Just can't get the GWs to work. Just wondering if you folks have experience with FNBO unsecuring, or not.
I had mine graduate after 12 months. I've now had the card for over 2 years at a $300 limit. They won't budge on the credit limit, and are generally unpleasant to deal with. Thus being my experience, I would save yourself the headache and close it!
Thanks for the info. Going to take your advice and close it.