badcreditsucks Posted January 30, 2005 Report Share Posted January 30, 2005 Looking for a secured credit card that reports as non-secured. I heard there was such a thing, but I can't seem the find the thread that it was posted under. Link to comment Share on other sites More sharing options...
5150 Posted January 30, 2005 Report Share Posted January 30, 2005 try national city bank 1-800-282-7541 Link to comment Share on other sites More sharing options...
truckinusa Posted January 31, 2005 Report Share Posted January 31, 2005 If I were to get a secured credit card with a company do they eventually allow you to have an unsecured account with the same bank? National reports as unsecured though huh? Link to comment Share on other sites More sharing options...
wolfpup Posted January 31, 2005 Report Share Posted January 31, 2005 i have been using Orchard for about 6 months and i havent noticed anything that says secured on my report. Orchard has been pretty good so far! Link to comment Share on other sites More sharing options...
jq26 Posted February 1, 2005 Report Share Posted February 1, 2005 As far as I know, the best secured card to get is the American Pacific Bank secured card. I originally saw it on this website. I was 10 days post BK7 and they gave me a $300 secured card. There is a $29 (or $39, can't remember) annual fee and that is it. None of the other BS charges. They are lightning quick and they report to all three as UNSECURED within a few days. I almost sound like I work for them! Actually, they have opened the door for me to get more cards, and in 3 months since my BK, my middle score went up 115 points. American Pacific Bank has a website. You can print the application, fill it out and then send it in with a minimum $300 check or money order. I maxed the card, then paid it off in full. Every month, I use it for $20 worth of gas and pay in full. 90 days later, 492 -> 606. I guess everyone's different on the score, but the card is solid. They are in Oregon though, so if you are an east coaster remember to send your payment AT LEAST a week early to get there. Link to comment Share on other sites More sharing options...
edubb007 Posted February 2, 2005 Report Share Posted February 2, 2005 I had no problem with the Union Plus secured card. i even got my interest when I closed it. Link to comment Share on other sites More sharing options...
badcreditsucks Posted February 2, 2005 Author Report Share Posted February 2, 2005 Thanks for all of the great information!! Link to comment Share on other sites More sharing options...
jq26 Posted February 4, 2005 Report Share Posted February 4, 2005 badcreditsucks-you may be able to get unsecured credit with your score. My scores are identical to yours and I recently got the target card and orchard unsecured. But I still like the American Pacific Bank card if you are thinking secured is the way to go. Very friendly and helpful with customer service too Link to comment Share on other sites More sharing options...
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