Credit Score: 580 Credit Limit: 300 Age: 45-54

Posted 06/26 2020

I would like to use this opportunity to thank CALCE JOHNSON very much for his VERY thorough repair on correcting my husband`s and my credit reports. We have been able to successfully get our home refinanced with a good rate.He also cleared all negative report on our credit score. For those of you that would be needing his services contact him via CALCEJOHNSONCYBER At Gmail Dot Com.

 

Credit Score: 625 Credit Limit: 500 Age: 25-34

Posted 03/16 2015

I got this card a little while back after having some credit problems and soon after got a notice that I was approved for an unsecured card with Capital One. Now I'm just stuck because I don't need this card but I'm afraid if I close it I'll lose the history I've built with it. There aren't many benefits to this card except that you can use it and no one can tell it's a secured card because it looks like a regular credit card. So if you have credit problems it's a good card. Otherwise, once you don't need it it's kind of useless.

 

Credit Score: 550 Credit Limit: 500 Age: 18-24

Posted 03/06 2015

I don't have any credit and joined the military after high school. I have this card to help establish a credit rating which is hard to do when you don't have any credit cards or loans. I have had problems with long holds on deposits which is why my credit limit is so low. Plus I don't think there are many benefits for this card you don't earn anything extra when you use it and the limit is so low you can't really do much with it. I am going to stick with it for a while to see if it helps me get approved for better credit cards. You can't tell by looking at it that it's a secured card, by the way, in case you're wondering if people will know.

 

Credit Score: 575 Credit Limit: 1000 Age: 35-44

Posted 03/06 2015

Well I've been cleaning up my credit also and to tell the truth this card has helped. My only problem is the security deposit. If you want your security deposit back you have to close the card and then I've heard that can hurt your credit if you've built a history through the years. So I have to keep the card even if I get approved for unsecured cards which probably won't make sense to do.

 

Credit Score: 600 Credit Limit: 300 Age: 25-34

Posted 03/06 2015

Just by chance I was approved for a Capital One card and I don't need this but my deposit is there and in a CD so I may as well keep the card now. I don't see any benefits to carrying this card and if I had known I could qualify for an unsecured card with actual benefits I wouldn't have gotten this one. Just a tip in case you think your credit is terrible, it may not be as bad as you think.