Secured Cards question; Citibank vs Orchard !?

Hi I am a student and I am starting to build my own credit line. I know that I couldn't get a unsecured credit card. I had applied for bank of America secured card. I was denied for having too many credit inquiry in my file. I did ask Verizon to break my phone away from family account before that, but when Verizon asked for $120 dollar for security, I decided to get a secured credit card instead and back down. Before BoA returned my denied letter, I got credit card offer from Capital One and I applied for it since I am applying for one. Now, Capital One denied me online after two letter, last one saying that they reviewed my credit score and approved Capital one platinum MasterCard. I went in their site and used their approval code and all that. Now that I have too many credit inquiry on my file, I am afraid to try out for more. After doing a little research online , I found out that some of the instant approval secured credit companies such as millennium one and applied banks are ripped off. I decided to try my luck with Citibank and Orchard bank secured card. My question is , I need to know which bank would be more flexible to my credit inquiry status, and which of the two has better reputation? I promised to reward 10 point for best answer. Thanks you all in advance.

8 months ago - 2 answers