Transfer First Bankcard Secured to Unsecured

[Anonymous]

Does anyone have any history with First Bankcard? My first credit building tactic 13 months ago was getting a $500 secured card with them (this is who my bank, BankPlus, offered).

I have about a ~%10 utilization and have always paid in full on time. They have increased my credit a few times to now $800, I think.

I would like to get this switched over to unsecured and have a nice CL. Does anyone have any experience doing this not only with First Bankcard, but any bank? What CL is to be expected? 750 FICO however 13 month old credit history.

Thank you in advance for your help.

[gdale6]

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@Anonymous wrote:

Does anyone have any history with First Bankcard? My first credit building tactic 13 months ago was getting a $500 secured card with them (this is who my bank, BankPlus, offered).

I have about a ~%10 utilization and have always paid in full on time. They have increased my credit a few times to now $800, I think.

I would like to get this switched over to unsecured and have a nice CL. Does anyone have any experience doing this not only with First Bankcard, but any bank? What CL is to be expected? 750 FICO however 13 month old credit history.

Thank you in advance for your help.

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There are several First Bankcards out there, are we talking First National Bank of Omaha??

[Anonymous]

Apologize for that. It is First National Bank of Omaha and I access the site firstbankcard.com

[myjourney]

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@Anonymous wrote:

Apologize for that. It is First National Bank of Omaha and I access the site firstbankcard.com

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Sorry they don't graduate 

[Anonymous]

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@myjourney wrote:

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Sorry they don't graduate 

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Wonderful. In that case I will keep this card as is.

Thank you.

[gdale6]

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@Anonymous wrote:

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@myjourney wrote:

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Sorry they don't graduate 

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Wonderful. In that case I will keep this card as is.

Thank you.

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I would app for their AMEX and upon receiving it close out the secured.

[Anonymous]

Is it a good idea closing the secured if it is my oldest account?

[myjourney]

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@Anonymous wrote:
Is it a good idea closing the secured if it is my oldest account?

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Good reading on closing cards 

http://ficoforums.myfico.com/t5/Credit-Cards/Closing-Credit-Cards/m-p/347190?jump=true

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[TiggerDat]

I would keep it open for at least another year while you plant a few more seedlings in your garden.  I think that it will help you out to keep it until they are at least a year old.  Then at the two year mark get another few cards and close if it won't graduate or PC in any way.  If there is an AF you might start off at the second year mark simply asking for them to waive it for the next year.