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Quick question... If I belong to Commerce Bank can I get a Discover Card offered by Chase? Thanks in advance for any comment. Another question... First, Id like to say this place is a huge resource and I have been a member here for a good long while (2005)Long store short, I had to file BK and it was discharged in September of 09. My scores were in the 400's pre-discharge and have settled at 556/559/& 553(EXPERIAN) respectively. I have pulled both my FICO reports and I noticed that one wasn't reporting all the accounts IIB so I have sent out a dispute for that. |
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Hmm... I need to find out myself. I don't know what is the answer to that question. I'll do some research and get back to you if I find an good answer. You should email the people at Discover Card as they probably could give you help..
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Radi8, thanks for the reply! The lates are valid and can't be removed, I have tried. I think that I may very well take your advise on dumping the FP card as soon as I get my secured card. I PIF this coming friday and hopefully I can apply for the secured card on the same day. I have contacted all of the local CU's know to me and the only one that offers a secured Discover card is 65 miles away! Others do offer secured loans, but not the credit card. With my BK, I fear that WF and CITI secured cards are out of the question for me so I have my focus set on US Bank as a secured option. Hopefully they don't LOL @ my app due to the recent BK...
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Thanks for the reply Cocomad! I had 3 capital One cards that were IIB. Im aware of BOA as well, not sure why I overlooked them. My primary issue is that I need secured cards that would allow me to increase the balance/limits at a later date. I haven't been able to confirm if BOA offers this or not. I should follow up with them and discuss it...
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Nearly all major issuers offer a secured product. A number of regional banks do as well. I have one by national city/PNC..
My suggestion would be simple: Yes, get 2 cards. One from a major issuer (Citi, Chase, BoA, etc), and one from a local Credit Union. Both of these will be important relationships in your future life as a man with good credit.. FP is most certainly not. Stay away. You can do better... |
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I called up BOA and it appears that they do allow you to increase the balance with additional deposits. I will keep them on the short list for sure! Thanks for the reply!..
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