Coming up on 1yr with my secured 5/3rd credit card, what should I do next

[neptunejcw]

In February my 1yr mark a be here that ive had my secured credit card with 5/3rd. I have a 1000 CL. Ive paid on time and kept 30% utilization all but with in the last 2months im at like 60%. But I will be paying it to a zero balance next month. Will it hurt my score when this card is closed? I plan on applying for a 5/3rd credit card since I have a repor with them already. What do yall suggest

[titanofold]

No, it shouldn't hurt your score...maybe. Closing it will reduce your overall CL and that can increase your utilization if you have other CCs with a balance.

However, I would keep it open until after I have the replacement CC I want in hand.

[neptunejcw]

Thanks I will try to do that