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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.
I have decided its time to rebuild my personal credit after running from it for the last two years! I just opened a NFCU Secured Card for $600 last week. I would like to also open a Shares Secured Loan with $1000. I'm wondering if its a good idea to open two secured products in the same month or should i just be happy with one secured credit card. I understand that I need a revolving and installment loan on my credit report to raise my Fico score but I don't want to lower my score by opening two products from the same institution. Any advice would be much appreciated!