Orchard Bank Card - Secured or not?

[Repo-ed]

Ya, it's 4am, and I'm about to head to the airport.  But before I do, I'm doing my usual reading of the fico forums, and it just dawned on me.

Is my OB card secured or not?  I honestly can not remember how I opened it.  I'm fairly certain it was opened with a SD.

Besides calling CS and asking, is there a way to tell on my CRs?

[LS2982]

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@Repo-ed wrote:

Ya, it's 4am, and I'm about to head to the airport.  But before I do, I'm doing my usual reading of the fico forums, and it just dawned on me.

Is my OB card secured or not?  I honestly can not remember how I opened it.  I'm fairly certain it was opened with a SD.

Besides calling CS and asking, is there a way to tell on my CRs?

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Not exactly. You would need to call them to find out.

[Anonymous]

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@Repo-ed wrote:

Ya, it's 4am, and I'm about to head to the airport.  But before I do, I'm doing my usual reading of the fico forums, and it just dawned on me.

Is my OB card secured or not?  I honestly can not remember how I opened it.  I'm fairly certain it was opened with a SD.

Besides calling CS and asking, is there a way to tell on my CRs?

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Kinda sorta maybe. Depends on the issuer.  It'll say on the CR under "Account Type" 

I know that BankofAmerica secured cards report as "Secured Credit Card"  but the Capital One secured card reports as a regular "Credit Card".  Don't know about about Orchard. Take a look at your report(s) but don't take it verbatim if it just reports as  "Credit Card" - call in

[Repo-ed]

Thanks guys.  I'll give them a call when I get home next week.

I guess I am kind of hoping it isn't despite having a low CL.  Not sure, even with low CLs, that having a un-secured may "appear" better to future lenders?

[LS2982]

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@Repo-ed wrote:

Thanks guys.  I'll give them a call when I get home next week.

I guess I am kind of hoping it isn't despite having a low CL.  Not sure, even with low CLs, that having a un-secured may "appear" better to future lenders?

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IMO it may be better to have a secured card because you can control your CL. Unsecured you have to wait until they feel comfortable giving you a CLI!

[Repo-ed]

Good point.