Citi Secured

[RaiseMyFicoScore]

I'm considering applying for the Citi secured card, and wondering what you guys think. I have a Visa from my credit union with a $1500 credit limit, a $450 Credit One Visa account and a $300 Indigo Visa. I was just approved for a Discover IT Secured card.

My goal is to get an American Airlines Citi Card, and I'm hoping that it might help for me to establishe a relationship.

I understand this card takes 18 months to transition, and that's fine, but will I have to wait that long to apply for the AA Citi card?

I was hoping to try in about 6 months, when my scores should be in the high 600s.

What say the group?

[Anonymous]

I would think that having a secured card with Citi would help you establish a relationship with them that will help in achieving your goal. I'm not sure how old the secured card would need to be to apply for another card.

[RaiseMyFicoScore]

That's what I'm hoping. I think I'll go for it, and hope for the best.

[Anonymous]

Did you get the citi secured card?  I received mine in May of 18, I deposited 1500 to start the account.  Does it really take 18 months to transition to a unsecured card?  

[RaiseMyFicoScore]

I didn't get it. I later received a letter said that it couldn't be opened at this time. I was pretty disappointed. I'll wait a few months and try again.