I'm trying to get higher trade lines and I have been told that, as my lines increase the others/ and new offers will be higher. Makes sense. So Snyder's group recommends FCNB secured. Just got the app today. 39 fee, grace, 2 cycle high interest. It says on the brochure that the first year unsecured portion won't be more than 2500. I'd like another tradeline of at least 5K. I have the cash to deposit whatever is necessary. Question: 1. Do they really report as unsecured? This is important b/c I've heard secured tradelines negatively affect you 2. Would you recommend them as a bank? I've heard mixed reviews here (and I've gotten their huge fees unsecured card offers. Yikes.) so I would only do the secured program. 3. What would you recommend as an opening deposit (keeping in mind I want at least 5K total credit line) 4. If they don't give me 3x my money, will my subsequent deposits be matched, or will they just sit there as is? (do they only do 2x or 3x w/the first deposit or with all your deposits) 5. At the one year mark, what kind of luck are you guys getting w/ unsecured/ line increases? 6. Does this sound like a good strategy to add a higher limit tradeline? Any other suggestions? I'm not going w/Orchard, they report as secured. Thanks!