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I know 2 credit unions here in my city that guarantee secured cards with no credit check and they still report as well. BUT to increase the CL by adding money they SP you.
I have been denied for the CITI Secured card twice in the past 6 years. No BK.
@baronofthenorth wrote:I have been denied for the CITI Secured card twice in the past 6 years. No BK.
i bet that can be aggrevating....what reasons they give you?
@tboy1977 wrote:But at what cost with Open Sky? BofA sucks......still no letter of denial from BankofAmerica
The annual fee is $50... but it reports to all 3 credit bureus.
Digital Federal Credit Union (DCU) has a secured card that reports to all three CRAs with no AF!
https://www.dcu.org/prodserv/ccards/visa-secured.html
Before applying, you must first join DCU by opening a share (savings) account. You must qualify to join DCU, but you can do so by donating/"joining" a partner non-profit for a very small amount. Or maybe you could call and ask if they would process your application first.
@j_casteel wrote:
@baronofthenorth wrote:I have been denied for the CITI Secured card twice in the past 6 years. No BK.
i bet that can be aggrevating....what reasons they give you?
Multiple reasons at the time. Too few accounts, past baddies, thin file (short credit history). 2nd time was more of the same, but with a longer history and maybe 1 baddie (4+ years old) at the time.