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Looking to add nother secured CC to my wallet. Does anybody know whether it will eventually graduate? If not, I will go unsecure with Wells Fargo since I already have a car loan with them. I read that WF does graduate.
Hi, I have a secured card w/NFCU and was told by them that it would graduate after 12 months.
Thank you. Could I ask what your initial deposit into it was?
Sure. My initial deposit was $800 and I have since increased it to $1500. I have had the card since May.
@trav07 wrote:Looking to add nother secured CC to my wallet. Does anybody know whether it will eventually graduate? If not, I will go unsecure with Wells Fargo since I already have a car loan with them. I read that WF does graduate.
Navy vs. Wells shouldn't even be a question!
Navy will unsecure but you can also just apply for unsecured after a bit and many get approved and either leave secured open or just close it.
Wells maybe turning new leaf on unsecuring and being better about their secured product but not in the past so I don't trust them at all... I have seen some that have had a WF secured card for over 3 years!
I will definitely open a secured card with Navy FCU then. I was thinking my loan relationship with Wells fargo may open some doors in the future, but if their secure card program sucks, I will pass. Besides, they gave me an aweful interest rate on my car loan...looking to refinance as soon as I can get my scores in the 650sh.
@Longroad wrote:I believe BOA graduates as well after 12 mos
I recommend the BoA secured card. I got one to establish credit, and you can even add the cash rewards program on it! Mine graduated, and it was a very simple process.