secured and store cards

red259 · ‎07-16-2015

If someone has a secured card and two store cards will they be able to aquire decent cards down the line or will they need to get a low credit line unsecured card and use that for a year to be able to really grow?

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Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

joeyoey · ‎07-16-2015

That's all you need. You'll probably want to try upgrading your secured card to a non-secured card at some point (& depending on the company that may or may not be possible), but if you use these three well for a few months and garden with them that will be enough to start letting you graduate to other cards eventually.

Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3
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Anonymous · ‎07-16-2015

@red259 wrote:
If someone has a secured card and two store cards will they be able to aquire decent cards down the line or will they need to get a low credit line unsecured card and use that for a year to be able to really grow?

Yes, they should be able to get an unsecured card within 6 months to a year - decent prime cards with limits as along as they toe the credit line well (responsible payment, usage, etc..).