Is another Secured Card worth it?

[Kayceegee]

I previously had Delta Community Credit Union & I want to get them back as they are a really great bank in my opinion. I put them on my bk7 for about 12,000 & they have an option to get a secured card. Would it be worth it? I have a capital one cl 3,300, discover student cl 1000 & regions secured 500 🙄 I actually would love to get rid of the regions. Also i filed bk feb 2020 and was discharged around June.

[dragontears]

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@Kayceegee wrote:

I previously had Delta Community Credit Union & I want to get them back as they are a really great bank in my opinion. I put them on my bk7 for about 12,000 & they have an option to get a secured card. Would it be worth it? I have a capital one cl 3,300, discover student cl 1000 & regions secured 500 🙄 I actually would love to get rid of the regions. Also i filed bk feb 2020 and was discharged around June.

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I have no experience with this specific credit union; however, most credit unions will ban or blacklist you permanently (or until paid back) if you burn them so if I was you, I would double or triple check that they will actually give you any card again 

[Remedios]

Have you asked CU if that's even possible?

Majority of CUs require old debt be paid so unless you were told they would consider application (that includes secured cards, DDAs might be exempt), I'd start with them.

[Kayceegee]

Im gonna just double check with them!

[sznthescore]

They are very conservative. I was denied for a secured card with them. That was me, so things may be different for you.  I have a friend whose fresh out of BK (Oct 2020) and they've been able to refinance a Telsa and was just approved $57k to get a newer one.  Every profile is different and depends on what you do to rebuild afterwads.  Also, CapOne just gave my friend a $3k CLI on a SL of $2k.