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Hi, everyone. I have gone through the master secured cards thread here, and I am thinking that one or two of the three would be my best options.
SDFCU (I am a member) Wells Fargo US Bank
What I have questions about are:
In the thread, it seems like it states that SDFCU is chex sensitive, but I am missing if that is for membership only or for secured app too...it looks like they don't check credit for secured card, but do they run you through chex again? I think I got into chex after I became a member with SDFCU. Am I safe applying for SDFCU Secured Card if I am in Chex but already a SDFCU member? Well Fargo - pulls Experian, but I couldn't see anywhere if it is Chex sensitive or not? And it MAY graduate someday? US Bank - same as Wells Fargo question about Chex? Pro - this one actually should graduate after 12 months....I am leaning in this direction if I can get in ***Capital One doesn't like me right now because of judgement I was never served for and am trying to get vacated, so they are not an option...I know we would all tend to suggest them ;-)
Thanks in advance for your advice. I am trying to clean up my chex report, I just got it in the mail and it will take awhile. I would like to get a secured card on my reports asap in the meanwhile.
Well after trying to freeze my EX report online I finally broke down and called them. Only took a couple of minutes but I just despise talking on the phone to "credit people". Maybe not "credit people" but it just amps my blood pressure up, LOL.
Anyway, after I got my EXP frozen I applied online for a Bank of America credit limit increase.
Had it over a year in June of 2013 and they started me off at $10,000. I left the amount I wanted out an applied, but it came back stating I had to put an amount in the CLI box so I put $25K.
Came back with it increased to $18,000. I'll take that.
Then called into USAA (they have always been super nice btw) and asked for an increase on my AMEX CASH card that they issued me at $13,000. I also had a Visa with them that was at $3,000 that I never use, but they said they would have to pull 2 reports seeing that one was AMEX and one was Visa. So I opted for the AMEX increase. Came back doubled to $26,000. HAPPY, I'll take that too.
Then went to my PNC which is my main bank besides NAVY. Started at $10,800 and they raised me to $25,000. I'm happy with that also.
Decided to try CHASE which was about 20 months old. Started at $12,000 and asked for $25,000. Had to call in for that one and the lady said that a underwriter had to look at it and I would be getting a letter in 7-10 days. BUMMER...............My CLI high was shot down
So I said WTH and applied online for a CLI on my USAA Visa at $3,000 and it came back approved for $9,000
So I can go to bed HAPPY and content that I'm still in Garden mode with CLI's of $41,200.
Hello. I saw a post a few weeks ago about BBVA Compass regarding EWS I was just curious if anyone has any info on this. I just opened up a checking and savings account and was curious if this account will be closed? Other banks told me no before the account was even opened so I was just curious how this may play out? any help, advice, or comments would be awesome...
Hi all, im a newbie here but let me explain my story. About 2 1/2 years ago i got an overdraft of $500 dollars at my credit union that i was in (San Mateo Credit Union to be exact). Around the same time i lost my job and was unable to pay my bank back, after a certain time they sent me a letter saying that they reported me to the collections agency, and a few weeks later i got a letter from the collection agency asking to pay up but to my luck i was still un employed and had no job or money whatsoever. I recently got employed again and wanted somewhere i could deposit my money, so today i opened and account at BBVA compass bank. To my suprise it went fairly well, i was able to open a checking and savings account. But now im reading online that theres a possibility i could be shut down by somethimg called the EWS? If i was reported to a collection agency is there a possibility i was also reported to them? I deposited a fair amount of money, so im kind of worried something will go wrong, had anyone had similar problems? How can i know if i was reported to the ews?