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I would keep the old one and when it unsecures keep checking for a CLI. When a CLI appears don't accept it.... call them and combine the cards if you still want to at that time. The requirement is having a CLI available to do it. They'll combine them and then give yout he pending CLI on top of it.
Oh, and use the secured card monthly to get it to unsecure. Throw a small monthly bill on it and setup autopay for the staement balance.
Suggest using the chat feature if you are adverse to talking on the phone or call them up. They are generally a friendly lot.
@Anonymous wrote:I would keep the old one and when it unsecures keep checking for a CLI. When a CLI appears don't accept it.... call them and combine the cards if you still want to at that time. The requirement is having a CLI available to do it. They'll combine them and then give yout he pending CLI on top of it.
Oh, and use the secured card monthly to get it to unsecure. Throw a small monthly bill on it and setup autopay for the staement balance.
Hmmmm, very interesting as I was trying to decide to close my secured to unsecured card, then apply later. But now that you said ^^^that I may hang on to this one and try it myself.
Congrats and Good Luck OP!
Congrats on yer it!
Congratulations!
@Anonymous wrote:I would keep the old one and when it unsecures keep checking for a CLI. When a CLI appears don't accept it.... call them and combine the cards if you still want to at that time. The requirement is having a CLI available to do it. They'll combine them and then give yout he pending CLI on top of it.
Oh, and use the secured card monthly to get it to unsecure. Throw a small monthly bill on it and setup autopay for the staement balance.
If I end up combining the two, which account age stays?
Also, I didn't even think about this at the time, but the cash back match says it's for new cardmembers only. Because I got the secured card 4 years ago does this mean I'm not eligible? Or did enough time pass that I may be eligible again?