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Ah, I remember also being told by a representative to go to a particular credit education website to learn how to manage my credit. It was after they opted not to unsecure my little $300 credit card. I almost closed it then. But I left it alone. I got the letter in the mail on the denial and it mentioned not having enough funds from my portfolio invested with BofA. I had $300 and I let it stay that way. The card was eventually unsecured, but not at my request.