Mrrob is right. Stay away from cards like First Premier and save your money and invest in a secured card from Bank of America or a secured card offered by your local financial institution (FI). Secured cards give your money back as long as you maintain a good payment history with the card, unsecure the card, and most of them will give you a CLI.

Bank of America's secured card offers the least amount of time to return your deposit, unsecure your card, and give you a CLI.

Their 99/500 off is also a steal. You only pay $99 up-front and get a $500 limit. If you maintain a positive payment history, they will return your deposit, unsecure the card, and give you a CLI within 6-9 months.

Good Luck Everyone

i wanted to get one of those cards is there a link?
when i did the app it did not offer me that card the 99/500

Mrrob is right. Stay away from cards like First Premier and save your money and invest in a secured card from Bank of America or a secured card offered by your local financial institution (FI). Secured cards give your money back as long as you maintain a good payment history with the card, unsecure the card, and most of them will give you a CLI.

Bank of America's secured card offers the least amount of time to return your deposit, unsecure your card, and give you a CLI.

Their 99/500 off is also a steal. You only pay $99 up-front and get a $500 limit. If you maintain a positive payment history, they will return your deposit, unsecure the card, and give you a CLI within 6-9 months.

Good Luck Everyone

rwmtd
I would stay away from cards that require a monthly fee and also a fee in order to make a payment online. BOA, Wells fargo and Citi are good
take care

Good luck:white-flag:
Thanks for answering hjm331:cool:

Rwmtd, good luck!

Citibank unsecures your card after your account hits the 1.5 year (18 months) mark.

Wells Fargo requires 12 months. Here are some links to help you out.

https://www.wellsfargo.com/credit_cards/secured/

https://www.citicards.com/cards/wv/cardDetail.do?screenID=940

hjm331, thanks for the info. I'll post back later and let everyone know which one I decided on.

Citibank unsecures your card after your account hits the 1.5 year (18 months) mark.

Wells Fargo requires 12 months. Here are some links to help you out.

https://www.wellsfargo.com/credit_cards/secured/

https://www.citicards.com/cards/wv/cardDetail.do?screenID=940

I think Hjm331 or Eric was telling me about the Wells Fargo was pretty cool but I think they convert the secured to unsecured in like 12 months. Can either one of you two clarify this for me?

I am interested in opening up another secured account (I currently have a secured card with BofA). I wanted to know what experiences others have had with Wells Fargo secured or Citibank secured. How long did you have to wait for a change over to one of the un-secured cards? Did they offer additional benefits?

TIA,
rwmtd

i just got a macys card 3 weeks ago how long should i wait to ask for a CLI?

When your account turns 3 months old.

Macy's is giving out CLI's like there's no tomorrow. This is great, let's just hope we can keep this going for a long time.

i just got a macys card 3 weeks ago how long should i wait to ask for a CLI?

Macy's is giving out CLI's like there's no tomorrow. This is great, let's just hope we can keep this going for a long time.

Hey I just came back from the Mall and I tried to ask Sleep Number for a cli and I was denied in the store. I was like "What, after what you guys done to me, I should be rewarded a new bed" I was so mad at GEMB, but the store clerk said to wait at least one year for a cli because GEMB is getting very tight with cli's due to the economy crisis. I dont know if I want to believe him or not because he should have told me before he tried it...lol. He said I was the 4th persn denied this week, geeeesh, what is really going on?

The economy crisis

I'm going to check on CB for a backdoor # for macy's and call today to try to upgrade. I don't want a hard pull so we'll see. I'll definitely be back to update.

I got a CLI from Macys and all I had to do was call the number on the back of my card. I dont think theres a hard pull as I have CreditSecure and nothing has showed up for inquiries under Macys. I did also request for the Visa when I got the CLI and still no show for inquiry.

Does anyone still have the list that was posted here a while ago with back door numbers.?
I can't find it anymore!
I have capitol one's back door number and it worked for me...(yeah!)
but I was looking for one for hsbc(standard hsbc card) and orchard bank and best buy mastercard..I know they are all owned by hsbc but I thought they did have different back door numbers.
Also I know everyone was looking for a backdoor number for hooters so just wondering if anyone ever found that was also.

thanks for any info anyone can provide!!