It does seem hard to get approved for just one. I have a cap one. Hi fontana man your insight has been valuable as i have visited but never registrated before here.also have a another one (authorized unsecured) thanks to my wife. I am trying for a third one but i really prefer the one on one with the customer service anybody know any local bank in chicago with a secured card that reports but easy to get? I should mention i have a decent score of over 700 but a bk on my record. I really need a card that converts badly!