I'm thinking of applying for a secured credit card with FCNB (First Consumers National Bank), as it seems to have the most reasonable annual fees and no application fees. Does anyone know which CRA FCNB pulls, and which CRA it reports to, and does it do so regularly? Thanks!
Missy, I've had the regular FCNB card since 1998, Spiegel since 1999, and my brand new Eddie Bauer Gold Mastercard. They ALWAYS pull TU for me. They review my file every 4 months and report to all three bureaus. They're conservative with their limit increases, about 100 bucks every six months. Maybe someone can expand on this but I am not sure if they have retention or not.
I'd have to look to see if FCNB pulled Equifax or TU for me. (I know it wasn't Experian.) They report to all three and don't mention if the card is secured. I haven't noticed any soft inquiries for account review, and I've just hit my 1-year anniversary. A rep once told me FCNB keeps an internal score for determining things like credit increases -- with cash advances being a big negative.
