Jump to content

How to Graduate State Department FCU Secured Credit Card?


Menta33
 Share

The last post in this topic was posted 1122 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

I have a SDFCU secured card that I've had since November 2011 and still remains secured.  On their website when I log in, it reads as "EMV SECURED VISA PLATINUM."  Since I don't need it except to help my average age of accounts, I brought the limit way down to the minimum of $250 so as to not tie up excess funds.

 

I'd love to get this unsecured and wonder what behaviors are thought to lead to their unsecuring.  When I called them many years ago they said there is no way to ever unsecure.

 

My FICOs are well above 800, but I never use the card, do I just need to run transactions though it to unsecure it?  Maybe I should pump up the limit a bunch then use the card and hope it unsecures at a nice high limit.

Link to comment
Share on other sites


Just following this: I'll begin actively rebuilding later this year, and SDFCU was top of my list for a secured card with a high deposit limit that graduates. I'd love to know if you called, and if so what happened!

 

Good luck!

 

Aglet

Link to comment
Share on other sites

On 5/16/2021 at 4:45 PM, Menta33 said:

Does anyone know what the maximum unsecured credit line State Department will give?

 

I can't answer your question, and I'm not sure where you're located, but if you are looking for a high-limit option the secured card I from USECU (in California) goes up to $100,000.

 

https://www.usecu.org/spend-save/credit-cards/ 

 

At least when I had this card, the deposit required was 130% of the credit line.

 

This card doesn't graduate (or at least didn't at the time).

 

My biggest credit building regret was not maxing the limit on this card and letting it report for a couple of cycles before I closed it.  The high limit combined with my newly-immaculate reports would have made it easier to get higher limits elsewhere.

 

 

 

Edited by cv91915
Link to comment
Share on other sites

The last post in this topic was posted 1122 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      188480
    • Most Online
      2046

    Newest Member
    Garesha
    Joined
×
×
  • Create New...

Important Information

Guidelines