Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Posted in Credit Cards
I have a secured card and want to get an unsecured card next, how long should I wait?
Profile Image

Question By

0 Contributions
0 People Helped
All Responses
Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Most Helpful Response
Helpful to 1 out of 1 people

Cap one never raises limits, orchard makes you wait 18 months, low credit lines try a credit union generally 12 mos.

I had an orchard while recovering from id theft, orchard refused to go unsecured after 9 months 200 limit , USAA gave me a 2500 limit on the spot unsecured.

Top Contributor

Response by

243 Contributions
355 People Helped
Helpful to 1 out of 1 people

Actually, I call or go into the banking office where you have the secured card & ask them to unsecure it.  If they say no...get a card elsewhere.

If you don't mind my asking, do you have any credit card debt right now?  Are your reports pretty clean?  Are you using a secured card for now, simply because you have a thin file?

The very last thing I would do right now is blindly apply for cards simply because they are suggested by this site.  There are much more methodical ways to find a card you'll likely be approved for.

There are ways to find (one site I check every time I app) who got what card, with what limit, what report do they pull and what was their FICO when they were approved, or not.

Do some homework, otherwise, it's like a game of pin the tail on the donkey & you're likely to miss the mark by a mile.

Top Contributor

Response by

70 Contributions
283 People Helped

If in the high 500's to low 600's and you have a good debt to income ratio try Orchard Bank or Capital One.  Good Luck.

Top Contributor

Response by

2675 Contributions
489 People Helped
Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Reply to this Question

Write your response:

Enter Your Comments
Submit to the Community