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Purplewawa,
I am not qualified as an expert to answer your question about the secured card so I would recommend you calling in and speaking to member services.
You can reach a specialist by clicking here or by telephone at 1-800-531-8722.
In the meantime, I did find a FAQ for you that may be able to help - click here.
ERogan5877,
I am so sorry no one has returned your phone call. If would please email us here at socialmedia@usaa.com with your member number and the details you provided above, we will get someone in touch shortly. Thank you.