I recently received an Overstock.com Mastercard (unsecured). There was some discussion about the difficulty of FNBO application process for unsecured. I placed my first order and saw a link for the secured version. Notable that it says there is a possibility of unsecured in as little as 11 months.
Shop Smarter, Earn Smarter Build Your Credit Faster
11
Months
Opportunity to move to an unsecured card in as little as 11 months
when you maintain a good payment history with us.*
when you maintain a good payment history with us.*
You Decide
Set Your Own Credit Limit
You set your own credit limit and
pay at your comfort level. Credit
limits available between $300 and
$5,000 upon approval*.
pay at your comfort level. Credit
limits available between $300 and
$5,000 upon approval*.
No Earnings Cap
View Free FICO 8® Bankcard Score Anytime
How Does a Secured Credit Card Work?
- A Secured Credit Card works like any other credit card except it requires a security deposit.
- Request your credit limit by providing a security deposit between $300 and $5,000, in $50 increments, when you apply*.
- Use your card to make purchases everywhere MasterCard is accepted.
- Build your credit by using the card and making on time payments.
- Earn rewards with every purchase you make.
- Special 12 month financing is not available with the Club O Secured MasterCard®.
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)