How can I qualify for a Citi Secured credit card graduation? This question is about the Citi® Secured Mastercard®

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.

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How can I qualify for a Citi Secured credit card graduation?

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This question is about the Citi® Secured Mastercard®

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Thom Fotenberg, WalletHub Credit Card Analyst

@thom.f • 07/07/22 This answer was first published on 12/06/18 and it was last updated on 07/07/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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How long does it take for a secured credit card to become unsecured?

It usually takes 12 to 18 months for a secured card to become an unsecured card, if used responsibly. Exactly how long it takes for a secured card to become unsecured depends on the card issuer, how the account is managed, and whether or not the card even has the capability of graduating in the first place.

Credit card graduation is when a secured card’s security deposit is returned to the cardholder and the...

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What are the best secured cards that graduate to unsecured?

The best secured card that graduates to unsecured is the U.S. Bank Altitude® Go Visa® Secured Card. U.S. Bank periodically reviews accounts for possible graduation and it reports to all 3 major credit bureaus. With this card, you also get 1 - 4 points per $1 spent on purchases.

Best Secured Cards That Graduate to Unsecured

Overall: U.S. Bank Altitude® Go Visa® Secured CardU.S. Bank Altitude® Go Visa® Secured CardLearn MoreLearn More
Cash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Flat Rewards Rate: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
Customized Rewards: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
Low Deposit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn More
Business: Business Advantage Unlimited Cash Rewards Secured credit cardBusiness Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More

When your secured card graduates to an unsecured card, your credit line no longer needs to be secured with collateral. So when you graduate, the initial deposit you...

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What is the Citi Secured credit limit?

The Citi Secured card credit limit is $200 to $2,500. Everyone who gets approved for Citi Secured is guaranteed a credit limit of at least $200, though each person’s exact starting credit limit will depend on how much of a security deposit they put down. When you first open the secured card, the amount of your security deposit will be your credit limit.

The Citi Secured card credit limit that you start with isn’t necessarily your credit...

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