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Been lurking for a while but wanted to share that my navy federal secured card graduated to unsecured after 5 billing statements. I called in and was given the opportunity to product change to cash rewards or the gorewards. I kept the balance under 5% and made sure to PIF every month. I never bothered to increase the secured limit from the starting minimum either.
Congratulations!
I noticed the card had an increased credit limit when the 5th billing statement generated, I called in to confirm the graduation had indeed occurred. Last I checked 08 scores were 640-660.