https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638150#M212002 <P>I already have 2 cards for my rebuilding process. Cap 1 (secured) and Orchard Bank (Cap1 1 unsecured). Both have $300CL . I have made attempts to request a limit increase on each card and have been turned down each time. I know that I can make a deposit for the secured card, but was hoping they would give an increase based on my payment history. I'm starting to see why so many of you dislike Cap1. I have $500 to deposit towards Cap1 or try to get a secured card from my local credit union. Which road should I go down?</P> Thu, 11 Oct 2012 20:14:33 GMT doc101 2012-10-11T20:14:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638150#M212002 <P>I already have 2 cards for my rebuilding process. Cap 1 (secured) and Orchard Bank (Cap1 1 unsecured). Both have $300CL . I have made attempts to request a limit increase on each card and have been turned down each time. I know that I can make a deposit for the secured card, but was hoping they would give an increase based on my payment history. I'm starting to see why so many of you dislike Cap1. I have $500 to deposit towards Cap1 or try to get a secured card from my local credit union. Which road should I go down?</P> Thu, 11 Oct 2012 20:14:33 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638150#M212002 doc101 2012-10-11T20:14:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638190#M212003 <P>I would say go with your CU.&nbsp; There is possible growth there vs Cap1 or Orchard.</P> Thu, 11 Oct 2012 20:27:52 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638190#M212003 Shogun 2012-10-11T20:27:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638256#M212015 <UL><LI>I agree.....Crappy one ain't never get you go nowhere......</LI><LI>when you gonna apply for morgate ???</LI></UL> Thu, 11 Oct 2012 20:59:45 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice/m-p/1638256#M212015 nicholasyud 2012-10-11T20:59:45Z