Thom Fotenberg, WalletHub Credit Card Analyst
To qualify for a Citi Secured credit card graduation, you must have had your account open for at least 18 months. While there are no specific guidelines for how to ensure your Citi Secured graduates to an unsecured card, your credit performance will factor into it.
How to increase your chances of graduating with the Citi Secured:
- Keep your account in good standing by paying your bills on time and in full.
- Keep your credit utilization below 30%.
- Monitor your credit score and review your credit reports frequently.
Unfortunately, you cannot request an earlier graduation date for the Citi Secured. You will have to wait until the maturity date. If your account is eligible for graduation, you will be notified by mail at least 30 days prior to reaching 18 months since account opening.
In the event that your account does not graduate, a letter informing you of this matter will be sent out to you 20-30 days before approaching 18-months of account opening. When a Citi Secured account does not pass graduation, it can either remain secured, or you can close it.
Citi® Secured Mastercard®
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