8 mos. out of Ch. 13. Which secured?

[lterenzi]

Hey everyone...

My wife and I completed our Chapter 13 plan! We are 8+ months out. Our scores have crept up slowly and I know with our newfound financial knowledge we can feel confident about building an improved credit history.

We have several thousand saved up for emergencies and we have 500+ saved that I want to open some secured credit cards with to start rebuilding.

Our own bank (B of A) turned us down for their secured card which blew my mind. I didn't think you get get denied a secured card. I am not sure if I should head down to my branch and talk to them or look elsewhere...

Applied, New Millennium, Centennial, Orchard?

If elsewhere - where? With this economy I am so scared of getting ripped off...

Also, is it worth it to take the hard pulls on our report and just apply, apply, apply?

Also should I get a secured card and my wife get one? Or will just one of applying and getting a spare card for the other do?

[thehalls]

I was also turned down for a secured card from our bank. We bank with Bank of America. I was surprised to say the very least. We have been approved for the New Millennium secured card. I sent in $45.00, ten of which was for adding myself to the account. Now all I have to do is mail in my security deposit. They have a minimum of $300.00.