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Hello to the most helpful credit resource I know, again!
I took out a Citi Secured card last August while I was rebuilding my credit. I only put down $200 for same limit. I PIF'd every pay period and never carried a balance. I have been approved for a number of awesome rewards cards and I've SD'd this one. Should I call Citi and cancel it with the offchance they'll SP review and potentially upgrade it, or should I let it sit? Citi says 18 months is the review period. This card offers no rewards so there's no reason why I'd use it.
Any advice is welcome!
From what I understand, with Citibank, it is 18 months. Period. You have quite a few great cards now, if you do not want to wait another 8 months for it to become unsecured, by all means close it. You would probably be able to get an unsecured card from them soon anyway.
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