Boswd wrote:It will appear as secured but it doesn't matter score why. By putting down $5,000 your high credit limit will boost you score by having low utilization.By reading some of your post and after getting rejected by Orchard Bank unsecured, I would just go this route of getting the unsecured card. There may be some other cards out there that would approve you for an unsecured card but the credit limits will be low and more than likely will be buried in fees making it a money pit of a card.Start with the secured card, use it wisely, and probably in a year or less better offers will be coming in. Also if you haven't applied yet for the Orchard check out Bank of America's secured card, it has a lower annual fee. But Orchard Bank or BoA you can't lose. Good luck and let us know how things turn out.