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hhensell

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Is it a good idea to open a second secure credit card to further improve credit?

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The problem with those secured cards is that you can only get your deposits out if you close the account. That will have some negative impact on your overall score.You did not say how long you have had this secured card. You might wait till you have it six months and, if your credit score is decent, you might apply for an unsecured card, without annual fees,  with a good chance of getting one. Make sure to check to what kind of credit (fair, good, excellent) the credit card is willing to extend credit. In the meantime, make sure you pay on time, preferably the outstanding balance.

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