I've had a NC
ecured VIsa for about a year and a half now, use the card very often, always pay on time, and my CL is 250. The only way they will give an increase is if you place further funds on deposit. When I called to ask about these two things, they told me the deposit was only returnable when I cancel the card, and if I want a CLI to add more money in the secured account. They informed me that my credit scores should have increased to the point where I could qualify for an unsecured nat'l city card. So I applied and alas, declined. (**bleep**ing jerks.) Could have done without the hardpull on my CR. All the same, learning the credit game takes time.
Good luck!~ I hope the info helps.