Help me choose a low limit secured card?

[Swatch]

I'm thinking of opening another with $250-500 or maybe even two with $250-300 each? To help my credit improve in about a year.

I'm looking for one that would really consider unsecuring in 6-12 months?

I have a Discover so I don't think I'm allowed to get another for months.

I have a long-running business and I'm a student so those are options too, and I don't know which is best.

[Mr_Mojo_Risin]

Navy Fed has a good secured card that's supposed to graduate 6-12 months. I think Citi Bank has one also that graduates within 12 months.

[EverForward]

If you qualify, consider NFCU, you can obtain a secured nRewards card starting at $250, that graduates in 6-12 months YEMV, and you'll get your foot in the door for additional cards when you're ready.  Search NFCU, for more information.

[Swatch]

Thanks, I can't do NFCU

I am very interested in building a relationship with DCU so that maybe I can refinance my auto loan in 12-18 months.

[Anonymous]

I just joined DCU.....refinanced my car with them after hearing how great the rates are.......and they are!!!!!!!!!!!    Car was financed with NFCU my favorite bank in the world for like 8%......DCU got it down to 3.2%!.   When they do a hard pull for your refinanced you can also use that hard pull to see if you qualify for a credit card which i was......$7Kcl!  BAM!!!    Refiance & credit card off 1 hard pull DCU ain't bad at all!!!!

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@Swatch wrote:

Thanks, I can't do NFCU

I am very interested in building a relationship with DCU so that maybe I can refinance my auto loan in 12-18 months.

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[sjt]

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@Swatch wrote:

I'm thinking of opening another with $250-500 or maybe even two with $250-300 each? To help my credit improve in about a year.

I'm looking for one that would really consider unsecuring in 6-12 months?

I have a Discover so I don't think I'm allowed to get another for months.

I have a long-running business and I'm a student so those are options too, and I don't know which is best.

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Check out State Dept. Federal CU. Their secured cards now graduate after 12 months of improved credit.
https://sdfcu.org/savings-secured-credit-card

[AverageJoesCredit]

Boa

[Anonymous]

Is the State Dept Credit Union generous like Navy Fed or conservative with credit scores and credit amounts?

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@sjt wrote:

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@Swatch wrote:

I'm thinking of opening another with $250-500 or maybe even two with $250-300 each? To help my credit improve in about a year.

I'm looking for one that would really consider unsecuring in 6-12 months?

I have a Discover so I don't think I'm allowed to get another for months.

I have a long-running business and I'm a student so those are options too, and I don't know which is best.

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Check out State Dept. Federal CU. Their secured cards now graduate after 12 months of improved credit.
https://sdfcu.org/savings-secured-credit-card

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[pinkandgrey]

Capital One Platinum is my go-to for starter cards. You may be able to get it unsecured too. 

Good luck! 

[CreditCrusader]

SDFCU has a fantastic secured card...no AF, low limit and often unsecures inside a year. You can start with as little as $250 security.