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    #16
    Zombie13, last year I was worried about the rebucketing issue as well, turned out to be a non-issue as my scores shot up into the 800+ range. Regarding how long to wait before asking for a graduation for your secured card, I'm not sure there is a good answer, if they're going to hit you with a hard pull I'd be a tad less sanguine about asking. Do you know if they have an automatic review process which, as I understand it, typically does not entail a hard pull?
    Latent car nut.

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      #17
      Hey shipo. It was a hard pull. Got it, and the t shirt.

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        #18
        Originally posted by Zombie13 View Post
        Hey shipo. It was a hard pull. Got it, and the t shirt.
        Annoying.
        Latent car nut.

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          #19
          Originally posted by shipo View Post

          Annoying.
          true, but, we converted the secured credit card to unsecured and got our cash back.

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            #20
            Originally posted by Zombie13 View Post

            true, but, we converted the secured credit card to unsecured and got our cash back.
            Understood, and I also understand different financial institutions operate under different rules, but yeesh, under the assumption you got hit with a hard pull when you opened the secured card, a second hard pull is not exactly ethical in my book (and yes, I also understand I don't run a bank ).
            Latent car nut.

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              #21
              NFCU just bumped me up $4K with a soft pull. I love NFCU.
              Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
              Status: (Auto) Discharged and Closed! 5/10
              Visit My BKForum Blog: justbroke's Blog

              Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

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                #22
                Originally posted by shipo View Post

                Understood, and I also understand different financial institutions operate under different rules, but yeesh, under the assumption you got hit with a hard pull when you opened the secured card, a second hard pull is not exactly ethical in my book (and yes, I also understand I don't run a bank ).
                Those are good points. I do not recall if the secured card required a hard pull. At the same time, we asked ourselves, which is of more value/use to us: the $5,000.00, or a higher credit score which will get reduced, then recover. Good news is, we now have the three credit cards total; now to use them appropriately, and let them 'season' over time.

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                  #23
                  Originally posted by justbroke View Post
                  NFCU just bumped me up $4K with a soft pull. I love NFCU.
                  Nice!

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                    #24
                    Originally posted by Zombie13 View Post

                    Those are good points. I do not recall if the secured card required a hard pull. At the same time, we asked ourselves, which is of more value/use to us: the $5,000.00, or a higher credit score which will get reduced, then recover. Good news is, we now have the three credit cards total; now to use them appropriately, and let them 'season' over time.
                    Good attitude. I was stupid after my discharge and racked up something like 18 hard pulls over the next nine months; after a year they no longer factor in FICO scoring, and after two years they fall off one's credit reports entirely. A year ago I didn't have any HPs on my reports, but buying a new car (October 2022), agreeing to a new Chase Sapphire Preferred card (December 2022), and then taking the bait for a new Chase Freedom Unlimited (earlier this week), I now have three to deal with. For a number of reasons, my wife and I have put off buying a new home until early next year, by which time I'll only have this week's HP dinging my scores.
                    Latent car nut.

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