Congratulations
Believe it or not congratulations is sincere because the BoA secured is NOT a guaranteed Yes just because one has a deposit to wave at them.
Once a relationship has been established it like the QS1 should grow nicely....
If you really want to add another account to thicken your profile a secured loan would be next in line IMO
1) It adds points due to credit MIX
2) Many times, they are almost guaranteed approval, just have the money ( some don't require money, they loan it, secure it and you get the money at the end) some with no HP
3) It's nothing more than a forced savings account that allows you to 'cheat' a good TL onto your CR, that stays on as good credit history for 10 years
Having the loan adds value you can't get elsewhere
*You use the loan proceeds to
a) pay itself back (with a small amount of % $20-30total)
B) secure a 3rd CC (3 CC & a Loan= credit gold)
Even 2 CCs & 1 loan, will garner enough juice to add a decent 3rd unsecured CC by New Year's no doubt.
Remember size isn't important Right now
On time payments and
Low utilization of whatever the CL is, is key
To building a good score, once the score is juiced the CLs will happen
GL
me some BofA. With your
