Trying to get CC after 10 years of not having one!

[Anonymous]

Thank you for the response.

Is a Secured Card different then the others listed on this site?

[EmmaGolden]

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@Anonymous wrote:

Thank you for the response.

Is a Secured Card different then the others listed on this site?

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A secured card is one that you place a deposit to secure your credit card. There are several good ones discussed in threads here. Did you try for another Cap 1? Either the platinum or QS1, not sure which you got.

Link to Discover secured & explanation:

https://www.discover.com/credit-cards/secured/

[dman23]

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@EmmaGolden wrote:

Since you have been on a cash basis, I'd assume EX doesn't have enough to generate a score. I read in your original post that you are working on paying back taxes, I recommend you not let them become liens. Keep your payments current, very important to avoid tax lien on your CR's. You may have to consider secured  for a additional card.

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Also, if you have an installment agreement with the IRS one of the requirements is to timely file your tax returns or they can canel the installment agreement and demand payment in full.