I reciently noticed something quite interesting with the FICO scores of some of my new creditees. While I don't have the actual score, this will give you an idea of how perplexing FICO can be, and also is a good hint for those newly starting out. Most of my clients just started with a Chase, FCNB, or B of A $300.00 Secured Card (Kept a low balance on it), and waited about 4-6 months and were given a Aria Card for $250.00 to $500.00. However a few clients decided to take the Net First $500.00 pay as you go offer, which ment a high balance on the card. However on the 3 people who took this option the offer from Aria was a generious $1,000.00 credit limit. The last client got it 90 days after the Net First Card was opened! While I don't recomend Net First, I do recomend anyone opening a secured card does it with $500.00 or more! As I said what a difference $200.00 can make!