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  1. Capital One secured has no annual fee and graduates. Also they will often only require a partial deposit, for example $849 for a $1000 limit.
  2. I recommend to wait a few months and then re-apply for the CapitalOne Secured.
  3. Fred030, do you know if HSBC also runs EWS or Chex?
  4. Congrats!!! You are very wise to do the max deposit if you are able, since that's the limit you'll have indefinitely.
  5. You can get an opensky visa with no credit check, only drawback is the $35 annual fee. Otherwise it works like a normal credit card. It will help to get at least one revolving credit card account reporting on your credit. Then after 6 months or so, hopefully your scores will improve a bit to get approved for a zero annual fee card which converts, like Citi or CapOne, etc. Wells Fargo is too picky from my experience.
  6. I think Capital One lets you add if its within the first 60-90 days of account approval. You could log on and use their live chat feature, which I find much easier than talking on the phone with their language barriers. Other option is, get another secured card with a higher deposit. Or you could probably get approved for an unsecured Capital One platinum or QuickSilver One card. Citi and US Bank take a while to unsecure, often 18 months.
  7. Yes, my advice was to go into a branch to open. Applying online is only for the most well qualified, hence your denial. Many people are approved in branch for the Everyday checking, despite having EWS and Chex entries.
  8. Why not just open a TD Ameritrade brokerage account with Debit card and check access just to be safe? I've had it for years with no issues despite being on chex and ews.
  9. Have you tried just going into the branch and opening a new, additional Everyday Checking? Then you can close your old opportunity checking. I've always been given the Everyday checking even with my chex and ews littered with derog's.
  10. Which is widely regarded is the absolute worst in the business. Apparently they've loosened they debit card policy 🤦‍♂️ https://www.dollar.com/DaveRamsey/Main.aspx
  11. How much is the amount owed on the charge off's ?
  12. Most important is to use a CC that does not charge a foreign transaction fee. I know CapOne cards do not have such fee, so I use those mostly when traveling overseas. My Citi card does charge a 3% fee, so I leave that one at home.
  13. So it sounds like Enterprise charged you for their additional B.S. damage waiver, the question is: did you agree to this when you signed the paperwork at the time you rented the car? It's highly unusual for damage waiver to be added to an insurance paid rental. However, It is very common for them to try and add it when the renter is paying. So you will need to fight with Enterprise to get that charge waived and it's going to be a hassle. And be forwarned- if you instead attempt to keep disputing through your bank, you will most likely be banned for life from renting from Enterprise. It is their standard policy when someone does a credit card/debit card chargeback. Again, you must take it up with enterprise. And in the future, BE VERY CAREFUL you are not accidentally agreeing to added products and services when you rent a vehicle, regardless of who you think is paying for it.
  14. I am stuggling with this very problem myself, with several cc charge off's reporting the full charged off balance (killing my uti), even though they have been cancelled by the OC with 1099 issued and past SOL. I feel like there has to be some effective way to dispute and get them adjusted to zero, we just haven't collectively figured it out yet...

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