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OK so here is the deal in 2007 i opened a secured account with Citi with a 500 dollar deposit. Its been 2.5 years and i have not had it unsecured. I have been a few days late a few times and recently set up the auto pay system. The year review period just reset itself and I am hoping that with a year of on-time payments and the addition of my other credit cards will help my credit score and citi will be likely to unsecure the card. I keep all my balances lows and pay most in full every month, but occasionally keep a balance. Is there anything else I can do to help with the unsecuring process?
@Anonymous wrote:I have been a few days late a few times.
My guess is this is the problem. Never be late and wait a while longer.
Not sure if they will unsecure if you been late a few times that's the killer.