- Platinum Member
- Posts: 53
- Joined: Sun Mar 03, 2013 2:46 pm
- Location: Nebraska
I don't get credit cards from my local bank for the same reason, they are convenient for quick easy access to a checking account but on the poor side for credit cards and loans. Some things that come to mind, Capital One has maybe the easiest to get secured card around, most people can get a $200 limit with a $49 deposit. They are kind of crappy when your credit improves and don't have an impressive product until you get into the very high tier. Bank of America is a bit harder to get if you have baddies, but they do have a secured card that will graduate to an unsecured card in a year or so. If you are in a state that has a USBank, they have some wonderful options for secured cards that graduate including a Harly Davidson card with no annual fee. Another bank is Wells Fargo, but you first have to open an account there then pay the security deposit from your account. It's currently thought this card no longer graduates so it's a lot of hassle and isn't the best choice.
If Bank of the West is what you really want, you can always get a Capital One card for a year then apply for the Bank of the West, lots of people do that.