THE TOP SECURED CARDS ON THE MARKET

[teamgray]

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@phenom880 wrote:

My First Progress card has an AF of only 29?

btw just got it this month and already reporting to all three

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Great! I need to check into that myself...i will contact citibank and see if they do secured cards without having an account, i think Wells Fargo Does...we will see

[sjt]

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@teamgray wrote:

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@phenom880 wrote:

My First Progress card has an AF of only 29?

btw just got it this month and already reporting to all three

---

Great! I need to check into that myself...i will contact citibank and see if they do secured cards without having an account, i think Wells Fargo Does...we will see

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FYI- Both Citibank and Wells Fargo offer a secured card that graduate.

Information on the Wells Fargo Secured Card can be obtained on their website. The following is basic information on the Citibank Secured Card:

1. Citibank- Secured Mastercard.
2. Must apply or get application at a branch.
3. Banking relationship not nessessary.
4. You deposit 200-5000 into an 18 month CD. CD earns 1.00APR
5. Graduates after 18 months.
6. In the application it states if you have a BK, it must be over 2 years old.
7. Other criterias probably apply.

[teamgray]

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@sjt wrote:

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@teamgray wrote:

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@phenom880 wrote:

My First Progress card has an AF of only 29?

btw just got it this month and already reporting to all three

---

Great! I need to check into that myself...i will contact citibank and see if they do secured cards without having an account, i think Wells Fargo Does...we will see

---

FYI- Both Citibank and Wells Fargo offer a secured card that graduate.

Information on the Wells Fargo Secured Card can be obtained on their website. The following is basic information on the Citibank Secured Card:

1. Citibank- Secured Mastercard.
2. Must apply or get application at a branch.
3. Banking relationship not nessessary.
4. You deposit 200-5000 into an 18 month CD. CD earns 1.00APR
5. Graduates after 18 months.
6. In the application it states if you have a BK, it must be over 2 years old.
7. Other criterias probably apply.

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This is good info to know.....I do wish that you can deposit more than 5,000 tho.....however I think im going to do 8k at My CU, 1k at citibank and 1k at  Wells Fargo...

I also have a LOC at another CU that I intend on paying in full in December, which will show 12 months of payments on it, should i close it or just leave it alone.....or increase it?

[teamgray]

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@teamgray wrote:

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@sjt wrote:

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@teamgray wrote:

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@phenom880 wrote:

My First Progress card has an AF of only 29?

btw just got it this month and already reporting to all three

---

Great! I need to check into that myself...i will contact citibank and see if they do secured cards without having an account, i think Wells Fargo Does...we will see

---

FYI- Both Citibank and Wells Fargo offer a secured card that graduate.

Information on the Wells Fargo Secured Card can be obtained on their website. The following is basic information on the Citibank Secured Card:

1. Citibank- Secured Mastercard.
2. Must apply or get application at a branch.
3. Banking relationship not nessessary.
4. You deposit 200-5000 into an 18 month CD. CD earns 1.00APR
5. Graduates after 18 months.
6. In the application it states if you have a BK, it must be over 2 years old.
7. Other criterias probably apply.

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This is good info to know.....I do wish that you can deposit more than 5,000 tho.....however I think im going to do 8k at My CU, 1k at citibank and 1k at  Wells Fargo...

I also have a LOC at another CU that I intend on paying in full in December, which will show 12 months of payments on it, should i close it or just leave it alone.....or increase it?

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ALSO, DO THEY DO A HARD PULL ON YOUR CREDIT REPORT? IM THINKING OF GOING INTO THE BRANCH AND BRINGING THEM A REPORT SO THAT THEY WONT HAVE TO PULL IT

[sjt]

Is your LOC secured or unsecured? You might want to just leave it alone for now and let it age some more.

Regarding Citibank, chances are they will not accept a credit report you provided to them. so it would be a HP. When you do go to Citibank make sure you can get as much information on their approval criteria so you know if you qualify or not.

Keep us posted!

[teamgray]

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@sjt wrote:

Is your LOC secured or unsecured? You might want to just leave it alone for now and let it age some more.

Regarding Citibank, chances are they will not accept a credit report you provided to them. so it would be a HP. When you do go to Citibank make sure you can get as much information on their approval criteria so you know if you qualify or not.

Keep us posted!

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it Is a secured LOC 1K, originally i signed up for a 48 month LOC, knowing that i would be able to pay it in full in 12 MONTHS. Im hopeful that they will also approve me for their CC, as this will show that I am credit worthy with them....but we will see...i need to know what CR they pull from....Schools CU in California

[Texasgal24]

I got a secured credit card through Amalgamated Bank of Chicago with a $500 CL with a $500 deposit. I think the annual fee was only $29 And after one year of on time payments, they switched me over to unsecured. I have been very happy with this card. www.aboc.com

[rodzilla2013]

Has anyone had any experience with BBVA Secured card??

[teamgray]

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@rodzilla2013 wrote:
Has anyone had any experience with BBVA Secured card??

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I have not, but i would like to know more info on the card...

[teamgray]

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@teamgray wrote:

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@rodzilla2013 wrote:
Has anyone had any experience with BBVA Secured card??

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I have not, but i would like to know more info on the card...

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OKAY....i found out that you do not need to have an account with them in order to get a secured card.....you can open for a minimum of 300..or as much as 5,000   i will be getting this card next month..let you know how fast it reports and what kind of boost