I would like pointers, but when I first opened my CK account I had a 612, since reading up on Secured cards I opend a secured card with my bank, and 600 dollars with Applied Bank from the recommendation of CK, my credit is already up to 658 in 30 days, should I leave the high balance of the cards and not use them, or should I always buy items of small amounts and pay it off? Which one will be best, because I would love to just stick them in a drawer, and enjoy the increase everymonth... Hope to hear some great feed back.

Hate the company - especally since being purchased by Capital One - I have had the card got over about a year - never late on payments - credit limit increased from 300 - 400 - limit is so low not worth
using the card - poor effect on credit score with limit so low

I've had my card for 7 years. No credit line increase, just an interst rate increase. I've paid every single payment on time on all my accounts even through the market crash.  I think this is the year I close the account. 

I would like pointers, but when I first opened my CK account I had a 612, since reading up on Secured cards I opend a secured card with my bank, and 600 dollars with Applied Bank from the recommendation of CK, my credit is already up to 658 in 30 days, should I leave the high balance of the cards and not use them, or should I always buy items of small amounts and pay it off? Which one will be best, because I would love to just stick them in a drawer, and enjoy the increase everymonth... Hope to hear some great feed back.

I have had this card for almost 4 years and have had positive results, raising my credit score from the mid-500's up to the 720's on all 3 credit bureaus. My only negative feedback would be that in 4 years I have not seen a review of my payment history and rise in credit score for additional consideration of increased CL (my current credit limit is only $600). My 3 star rating is weighing the positive aspect of the card in rebuilding my credit, but it would be nice if they raised my credit limit more often since I have had 100% payment history. I am currently keeping this card to build my credit history and do not plan on using it (I intend to appy for other cards to gain a higher CL).

Will my vredit score get lower if HSBC closes the card due to nonuse. I had a a 1500 credit limit maxed it out and paid it off within a year. I am overseas so I don't need to use any crediy cards, but HSBC closed the acct and said it was due to the fact that I wasn't using the card. Will this hurt my score?

 I have the visa and MasterCard, they are both high intrest for sure, but keep in mind, if you are rebuilding your credit its going to cost you. I have had the visa for over a year now and have no problems with them. I never max it out and always pay it off early. It has built my credit to where I have got a Discover card with a high balance. If you use the card to rebuild your credit and pay on time and never max it out, it will help you in the future.

 IT HAS DRAMATICALLY HELPED RAISE MY SCORE SINCE I'VE HAD IT.  LOVE IT!!!

not a good card

all the neg. you new the cost, you new the credit limit this card is to rebuild. had mine for 2 months glad i have some thing even if it is only 300 will tey for the visa in another month or so credit is quick to ruin an hard to rebuild 

ANYTHING THAT HAS HSBC ATTACHED TO IT IS JUNK THEY ARE A CON AND NEVER GO WITH A CARD WITH THIS ATTACHED TO IT I GOT SCREWED OVER ON MY SUZUKI CARD AND MY BEST BUY CARD THEY ARE A JOKE AND SLAM YOU WITH APR UP TO 29.99% WITHOUT WARNING AT ALL YOU NEED THIS SITE JUST TO HELP YOU PAY IT OFF...