Hmmm? They sent me a cheque with no indication & the card followed by about a month. No CL increase yet though.SkynyrdsInyrds wrote: ↑ This thread is interesting.
I have had one of their secured cards for a year (in November). I have paid the balance in full each month.
In another thread I mentioned a few weeks back that I had spoken to them and had been told that my security funds of $75 would be returned and that I would be upgraded to a Gold Card.
I called them to confirm this today and was advised that they do not do card switches. I was also told that I would only receive my security funds back when the account was cancelled. Finally, they said that they did a quick check and that I am not eligible for a credit limit increase. She did mention that that didn't mean that my scores hadn't improved enough to make me eligible for an increase, just that they had not done a review of my account for credit increase purposes. You'd think that after a year of paying off my balance in full each month they would at least increase my credit limit or refund my security deposit of $75.
She said that if I wanted another card I should apply for one online, and advised that I should apply for one of their three Aspire cards rather than the Gold Card. I assumed that the Gold Card was the next step up but she told me to ignore that card and to apply for an Aspire card. She mentioned eligibility criteria but none was listed on the website. When I questioned what those criteria were she mentioned credit score so I informed her of my scores as listed a few posts above this. When I told her that it was in the 700 range she said that that was a good score but that other criteria would also be taken into consideration, but again advised me to apply for an Aspire card.
But despite what I was told today, I am now seeing this thread (after following one of SuperSauvage's posts in the other thread) in which some of you are discussing having your security funds returned and your cards upgraded.
Gold card has no security. So therefore unsecured. You'll have to wait to find out limit I guess. Up to $7000 I thinkAstrid14 wrote: ↑ I am only 1 year in with my Credit Proposal and th I’ve approved me for a Gold Card. They couldn’t tell me a lot about it though. Anyone have a Gold Card right off the jump with shady credit? I’m trying to find out if it’s unsexured she said “actually congrats you’re approved for a gold card” but didn’t know the limit help!
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