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credit card help

Valued Member

credit card help

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 ?

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Message 1 of 7
6 REPLIES
Regular Contributor

Re: credit card help


88c36 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.

In order of use: Barclays Uber VS | BofA/ML (Merrill+, Cash Rewards) | AmEx (PRG, Delta Gold) | Discover | Chase | NFCU | Blispay

TU 704, EX 700, EQ 676 (11/30/2017)
Message 2 of 7
Valued Member

Re: credit card help

Is it a bad thing that it shows up as secured or a good thing ?

 photo F8165B27-EB6B-431D-B2BA-52D05122C10E_zpsimzsfewj.pngheight="50">

 photo B9F2DF32-0BCF-42E6-846A-BC53444B83C5_zpsnmthg02w.pngheight="50">" height="50">
Message 3 of 7
Established Contributor

Re: credit card help

Discover does my sis have the secured one. Don't know about the other two.


FICO 08 (May 2018): EX 673 / EQ 646 / TU 686
Message 4 of 7
Valued Contributor

Re: credit card help


88c36 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.


TU FICO 8: 745 (1/18) — Ex FICO 8: 738 (1/18)
Message 5 of 7
Community Leader
Valued Contributor

Re: credit card help

Being secured doesn't affect your FICO scores. Lenders can opt to take it into account, though.

Message 6 of 7
Frequent Contributor

Re: credit card help

Cap 1 reports as unsecured.



Gardening until Oct 2018 (at least)
Capital One QS $300 SL - $3,300 CL
Amazon Prime Rewards Visa $8,500 CL
Amex Blue Cash Everyday $6,000 SL - $18,000 CL
Citi Double Cash Rewards $7900 CL
Discover $11,500 SL $13,000 CL
Sync Lowe's (AU) $8,400 SL - $13,000 CL
State Farm Auto Loan
Message 7 of 7