Has anyone ever had a Citi Secured Card graduate?

cmm89 · ‎06-14-2017

I've looked throughout the forum and online, can't seem to find anything. Does anyone have any experience at all? I'm baffled -- I see posts on almost every other secured card.

Thanks in advance!

What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)

What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)

Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.

EQ 759, EX 765, TU 771 (06/10/2022)

I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!

Anonymous · ‎06-14-2017

Yes do a search for pizza1. She has massive success with choosing the secured card with a bankruptcy and other stuff going on including app sprees. I kind of regret not going for the same account back when I was rebuilding with my charge offs from home depot and sears citibank.

Anonymous · ‎06-15-2017

Their secured does, but I believe goes the full term. Citi doesn't seem to graduate early

pizza1 · ‎06-15-2017

Hey OP...With the Citi secured card, you can't add to the limit once its set at opening, at least thats what I was told by EO. So, no CLI.

The card has a full term of 18mo, and does NOT graduate any sooner before then. About a month before graduation, they will HP your reports most likely EQ, for graduation, and you'll get a letter about it in the mail.

I ended up closing mine out at 12 mo because the only card I really wanted from them was the Costco cc, and If I just gardened for an extended period of time, Id get it, LOL. I only got the secured card as a better "in" with Citi with a legacy cc. Not as important to me now

Good luck to you! and Ill respond to your PM as well