Applied 4/16 Submitted deposit 4/17 Deposit cleared 4/20 Account considered open 4/22 Received card 4/30

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.

After laying my balance in full they closed my account and then told me that it would take 2 billing cycles for them to return my deposit.

The card is decent as far as you pay for your available balance so in a sense its however high you want it, no annual fee. The catch is when you make your payment ( i just paid the full balance) the availability to use it isnt for 10-12 days after the payment has been processed, the money cleared my checking account and was posted to credit card and management said well there is nothing we can but forward a complaint. So even though i paid for the full amount i can not use my card for 10-12 days now. So if you get the card dont expect to use your money that they pull from your checking account within a day for a couple weeks, also the application process seemed to take forever to finally get the card

My credit went up only by 7 points when I oppened this account, It was supossed to rise my score a little more

Was great to increase my credit,? do not use over 30% of your credit limit,? make payments few days early,?

Just made my first payment a few days ago, and my score went up 31 points! I'm really happy so far.?

Credit karma said my approval odds was good, but after I Applied I got? denied for credit! Even after I had The security deposit required!! I believe credit karma is paid to sponsor this card an other, don't fall for credit approval! They are being paid to Sponsor or promote certain cards

I have had my Citi Secured Credit Card for a few months now and I absolutely love it! I pay my balance off every time I get paid which every 2 weeks. My payments always get credited immediately. I never have any issues using the card. One thing that I do recommend is find out when your statement cycle date is, that's when they report to the credit bureau. Try to get your balance as low as possible to show a low credit utilization.