Most secured cards graduate after 6-12 months of on-time payments and sub-30% utilization.
Ask in writing for a graduation review at month 7 — don't wait for the bank to offer.
Once unsecured, get your deposit back and roll it into the next play.
Build & Maintain
Secured to Unsecured
Graduate your starter cards into real credit.
Lesson 2 of 6 ~75 min