I had applied to DCU for a share-secured credit card, over the phone, but today I came to know they lost my application!
The application number they gave me does not turn up anything and when they pull my credit, they only see the pull for the membership.
I already have two cash-secured credit cards running for two months now on my report.
Should I try "my luck" with DCU and ask them for an unsecured credit card first and then ask for the share-secured credit card if that does not work out?
I want to be cautious as my friend told me getting turned down for a credit card is really bad for you, and one should apply again after 6 months after begin turned down, but was not sure how that was so.
Would not my application for an unsecured credit card "look the same" on my credit report as the application for an cash-secured credit card?
Or are the "kinds of report" that a lender pulls for a unsecured credit card different from the one they pull to give you a cash-secured credit card?
I don't want to risk getting turned down for their secured credit card because I tried to apply for and got turned down for their unsecured credit card.
UPDATE: I got the secured credit card offers because I asked for them. Later, when I had some confidence to ask for the unsecured credit card, I got offered one as well. From my experience, it makes sense to ask for an unsecured credit card first. They pull your credit in any case, so better put that to use.