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Fast-graduating Secured Card?

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Anonymous
Not applicable

Fast-graduating Secured Card?

I'd like to help my credit with a higher limit card and I have around $2500 I could put in a secured card. Are there cards which unsecure within 6 or so months? If not, which are the fastest to unsecure and which do you recommend as the best secured cards?

Message 1 of 6
5 REPLIES 5
xXIDaShizIXx
Established Contributor

Re: Fast-graduating Secured Card?


@Anonymous wrote:

I'd like to help my credit with a higher limit card and I have around $2500 I could put in a secured card. Are there cards which unsecure within 6 or so months? If not, which are the fastest to unsecure and which do you recommend as the best secured cards?


I do believe the Bank of America secured card is the fastest at 12 months. And its not guaranteed.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 2 of 6
newhis
Valued Contributor

Re: Fast-graduating Secured Card?


@Anonymous wrote:

I'd like to help my credit with a higher limit card and I have around $2500 I could put in a secured card. Are there cards which unsecure within 6 or so months? If not, which are the fastest to unsecure and which do you recommend as the best secured cards?


If you don't mind a HP after 6 months, go with BofA secured card. Make sure that you get the cash rewards version, if not, a simple secure chat with your request will give you the card. After 6 statements you can ask for a review and get your card unsecured.

 

If you request the graduation most likely you will not get a CLI, but you can use the same HP from graduation for a CLI just call the backdoor number after a few days. Someone even called more than once and got 2 increases IIRC.

 

Good luck

Message 3 of 6
credit-hunter
Frequent Contributor

Re: Fast-graduating Secured Card?

BofA secured card cash rewards

Message 4 of 6
baller4life
Super Contributor

Re: Fast-graduating Secured Card?

BOA six months. I have seen as early as 5 months
Message 5 of 6
HiLine
Blogger

Re: Fast-graduating Secured Card?

Bank of America BankAmericard Cash Rewards secured credit card. Not only is it one of the rare secured credit cards that offer rewards, it also graduates the fastest and most consistently. 

Message 6 of 6
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