lapoolboy Posted November 1, 2005 Report Share Posted November 1, 2005 Anyone have any real-life experiences with National City's secured card? I have read the security agreement over and over again but I am still confused. Do they use your deposit only if you default? If I don't default, then that money stays there and they refund it to me when the card goes unsecured? I think I'm going to send in the minimun $250 to start and then add more later if i need to. I plan to just charge dinner a time or two each month and pay it immediately. Then, in 12 months, maybe they'll convert to unsecured and send me the money back. Is this right?I would like some input before I mail my application. Also, is it true that it takes a month to get the card?!?! Link to comment Share on other sites More sharing options...
sdc2027 Posted November 13, 2005 Report Share Posted November 13, 2005 I would call and talk to them and have THEM clarify and if you aren't confident- call a couple times to see if they say the same thing, if not, then put it aside or trash it. Link to comment Share on other sites More sharing options...
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