Secured credit card with no Credit Check

[Anonymous]

Thank you.

[Anonymous]

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@Anonymous wrote:
Thanks for this info. I actually called SDFCU yesterday and they advised that membership is required for their secured card. In order to become a member you must work for a State or Fed government employer or be related to someone who does. I don't qualify under either. Do you know any way around this?

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American Consumer Council, $5 to join.

[Anonymous]

Thanks again...I'll research further but I'm still leary.  They perform a hard credit pull.

[Anonymous]

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@Anonymous wrote:

Thanks again...I'll research further but I'm still leary.  They perform a hard credit pull.

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Why is that an issue? I got in with low 500 scores. People get way too shy of inquiries. They are a necessary part of rebuilding.

[Anonymous]

currently in process of obtaining a home mortgage and need to be mindful of such.  I'm looking for another open revolving credit line to boost my score.  Inquiries can stay on CR for up to 2 years.  

[Anonymous]

I secured a mortgage with more than a dozen inquiries on one CRA. They simply are not the big deal people make them out to be.

Opening another revolving line, depending on what you currently have on your file, may very well lower your score. How many active open accounts do you have?

[Anonymous]

only have one other secured card but 2 car loans in good standing.

[Anonymous]

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@Anonymous wrote:

currently in process of obtaining a home mortgage and need to be mindful of such.  I'm looking for another open revolving credit line to boost my score.  Inquiries can stay on CR for up to 2 years.  

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If thats the case then you don't want to be adding new accounts *at all*

[Anonymous]

Well I actually spoke w/ the mortgage rep who advised me to hurry and open another credit card account (without a Credit inquiry) in order to boost credit score for better mortgage interest rate.

[Anonymous]

I would recommend applying for either of these three cards:

1. Merrick Secured Visa Card
2. Primor Secured Visa Gold Card
3. OpenSky Secured Visa     

No credit check is required for approval. They all have reasonable rates.

And they do report to the three major national credit bureaus.

If you are looking to find more details, here is the link:

https://effectify.com/blog/secured-credit-cards/best-secured-credit-cards-no-credit-check/