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RaBaby

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I have a secure cc, how do I get my deposit back and go to unsecured and lower apr?

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DO NOT CLOSE YOUR SECURED CARD!! Until you at least do some extensive reading on how closing accounts will usually have a NEGATIVE EFFECT on your credit especially if you only have a few accounts. I would keep the secured card open for another year or two when you get a robust credit profile built. Go ahead and apply now for an unsecured card if you think you can obtain one, but don't close the other card. As far as picking a new card, read the reviews on them to learn what types of credit scores are usually approved and always remember it is more than credit scores too, your overall credit report is just as important.

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Hey RaBaby! You should be able to call your credit card company and request for it. As long as your credit score has improved to the point where you'll be approved for an unsecured credit card, this seems like a terrific idea. Continue building your credit score by increasing your line of credit!

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