@MarkMM, we appreciate this feedback. Regrettably, this type of account does not have the option to be graduated to an unsecured card. I understand how important this is for you. Since we are not licensed credit advisers, I would recommend reaching out to one of the credit agencies to learn more of the impact of this card. Again, we thank you for taking the time to share with us and will have this feedback submitted to the appropriate area for further review and consideration for the future. ~Tom
I'll throw my hat into this ring as well. I am in the same boat. I do not wish to lose the credit history associated with this card, would like to access the CD funds that have been sitting there for 7 years now, and would like to stop paying an annual fee for the secured account. The CD has only made 34$ over the last 7 years, which is less than the annual fee for 1 year.