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How to Graduate State Department FCU Secured Credit Card?


Menta33
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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.

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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

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Posted (edited)
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
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