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You cannot qualify for USAA® Secured Visa Platinum® Card graduation. The card does not graduate to an unsecured one, but it does report to the three main credit bureaus. This means you should be able to qualify for an unsecured credit card after about 18 months of responsible use. All you have to do is pay your bill on time every month and maintain reasonable credit utilization, ideally below 30%.
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People also ask
Can I get my USAA Secured credit card converted to unsecured?
No, you cannot have your USAA® Secured American Express® Card converted to an unsecured credit card. However, once you use this card to raise your credit score, you can then go on to apply for one of USAA's unsecured cards. To build your credit score, try to keep your credit utilization ratio low and make your monthly payments on time.
It’s worth noting, though, that there are several other secured credit cards which can graduate to unsecured.
Notable Secured Credit...
read full answer by Joseph Bulebush, WalletHub AnalystCan a secured credit card become unsecured?
Yes, it’s possible for many secured cards to become unsecured after using them responsibly for 12-18 months. Making on-time payments every month you have a secured card will help speed things up, as will using only a portion of your credit limit.
The exact time it takes for a secured card to graduate to an unsecured credit card depends on the card issuer, how the account is managed, and whether or not the card even...
read full answer by Maria Adams, Credit Cards ModeratorHow long does it take for a Citi Secured Card to become unsecured?
It takes at least 18 months for a Citi® Secured Mastercard® to become unsecured. At any point after you’ve had the card for 18+ months, Citi may decide you have used it responsibly enough and will return your security deposit, making the card unsecured.
The exact amount of time it takes to “graduate” from secured to unsecured can vary depending on a number of factors, such as your credit history and payment history with the card....
read full answer by Adam McCann, Financial WriterDid we answer your question?
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