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mariah1234567

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is it ok to pay off secure cards and cancel them if I have established unsecure cards

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Pay them but NEVER cancel a credit card.  Just lock them safely away and let the issuer be the one to close it for lack of use.  Please read the articles here to get a firmer understanding of how credit works.

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It's a secured card so I doubt the lender will close the account due to lack of use.

When you close an account it could interfere with your credit history length which is important.   Get a few years under your belt with the unsecured cards first.  The age of your oldest account and average age of all accounts are considered in your score.  Let's say your secured card is 2 years old.  Your unsecured cards are 1 year old.  You close the secured card and your credit age now goes from 2 years to one year.   The longer credit history a person has, the better.

If you are going to keep the secured card so you can age your credit history, please use the card.  Active accounts have a larger bearing on your score as they show the most recent activity which has a higher impact than your older activity.   Be cautious opening new accounts.  Every time you get a new account, you lower your average age of accounts.

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