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does anyone now if discover, citi bank or Bank of America secure cards show up as secured on your credit report I'm still deciding witch one to get and witch one will help me in the short run
also I do wanna get a Alaska airlines credit card once my credit goes up a bit so would it be smart to get a secured BoAc just to build a good report with them ?
@Anonymous wrote:does anyone now if discover, citi bank or Bank of America secure cards show up as secured on your credit report I'm still deciding witch one to get and witch one will help me in the short run
also I do wanna get a Alaska airlines credit card once my credit goes up a bit so would it be smart to get a secured BoAc just to build a good report with them ?
I can only speak for Citi. It does.
Is it a bad thing that it shows up as secured or a good thing ?
Discover does my sis have the secured one. Don't know about the other two.
@Anonymous wrote:Is it a bad thing that it shows up as secured or a good thing ?
I was approved at Chase for $500 on my FU when my Disco was reporting $600 secured. My scores were in the 730's if my memory serves me. I would tend to consider it a bad thing, though I doubt that lenders consider it too heavily if you don't have any baddies.
Being secured doesn't affect your FICO scores. Lenders can opt to take it into account, though.
Cap 1 reports as unsecured.