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New to Credit: Advice on 6 month mark with Capital Secured Mastercard?!?
I am new to credit at the age of 30. I have always used cash, check, & debit over the years. I currently have a Capital One Secured Mastercard with 6 months history. Recently my girlfriend added me as an authorized user on her Discover with 3 years 5 months history. This makes my new AAoA 1 year 11 months. $7,000 credit available. 4% utilization.

What should i do next? I want to get an unsecured credit with no AF of my own which i can keep for the long haul. I do not want to keep the Capital One past the 11th month as it has a $29 annual fee, low $300 limit, & will never graduate apparently.

Thank you very much,

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