- Centurion Member
- Posts: 4041
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
If you've been turned down for a CO secured card, then your options are extremely limited. Maybe you could get a First Premier card, but the fees there are so high you'd be better off to just use a debit card or cash.
How many years ago was the first CO card charged off? CO is more forgiving about being burned, from what I've heard. CO unsecured Platinum cards are often available (or, at least, once were) to people who had recently declared bankruptcy - so being declined for a secured one is definitely bad news. If you can't get a secured card from CO, there is definitely not much I can think of worth getting right now.
Are the bad marks on your account legitimate? Or you have a reasonable case to have them taken off? I'm a little worried you might have been persuaded to pay someone to dispute everything blindly. Giving it time for the bad marks to get older and fade in importance may be the best solution.
What do others think about a secured credit builder loan from a credit union?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech