No ability to upgrade to unsecured card
Hi - I’ve had this card for 3 years. It is fine to use this card to start to rebuild credit - HOWEVER - you cannot upgrade this card to a better, unsecured account. Do not believe anyone who posts that this is possible, I have spent hours on the phone talking to many levels of service reps. They CANNOT convert a secured card to an unsecured card. They also will not increase your credit line unless you add more money to your account. Finally, in order to upgrade yourself from a secured card to an unsecured card and really increase your credit score, you have to CLOSE OUT this secured account. This is terrible for your credit score and absolutely unacceptable. It also means you will never get your deposit back. This card is helpful if you can’t get anything else due to bad credit, but please go into this with your eyes wide open. I’m extremely annoyed and upset.