SeaFirst does, oh wait they don't exist anymore.
I used to have a secured card from them and once I was at a restaurant and my card was maxed out. ($300 limit, so not that hard to do.) I picked up the phone and it took a minute or two to do it and then handed the card back to the bartender. He just looked at me strange and said that that was the same card that I had just given him and it had already been declined. I asked him to try it anyway and he said OK, as if he knew it wouldn't be approved but didn't want to go into that. He was a bit surprised and asked what I did, since he knew I didn't talk to anyone on the phone. So I told him that I simply transferred money to the card with phone banking.
When BofA converted all the cards to their center in AZ, that function was lost, much to my dismay. It still took me another year and half after that to close the account. Back then it didn't seem to matter how much I used the card and paid it off, they would never unsecure the thing, even though it was possible. I was interesting because at the time if you paid in a branch, then the money was available right away. (Unless they lost the money, oh what a joy those two lost payments were to get resolved.)
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
