I applied for the Citi Secured card in June of 2019.. I only put a $200 deposit up since I also applied for the Discover It Secured card as well as the Capital One Secured card. I always kept a low balance on my Citi card, making purchases oh no more then $20 a month. Always paying it off in full before my statement closing date. When paying my bill, I paid it before 1pm using my checking account. My current balance always updated to $0 within an hour after I paid. By 10am the next day, my available credit reflected my previous days payment. I have had no issues since I've had the card. On March 27th I received a letter stating that my credit card account no longer required a security deposit, and I would be receiving my security deposit back,, and would be sent a Citi Diamond Preferred MasterCard. I have read a lot of negative reviews about this card, but I have I had no issues so far. So, as stated in a lot of posts about getting graduated in no less than 18 mouths is not correct. All I can recommend what is that you make sure make payments on time and keep your balance low.
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