I want to use this product to repair my credit and learn more about investing in cd's but I have a concern.
If this card does not graduate into a standard credit card and I transfer the secured amount into a saving or cd doesn't that hurt my score?
My credit report will show the account as closed and that open credit or available balance is gone



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

Do not use USAA credit cards. They can be very unforgiving and punishing if you make a mistake and you could find yourself in deep trouble.
I have had the secured cards for a while. 4 cards 3 limits of $5k and one with $2500. I charge several thousand per month. Bewteen $2k & $5k. I never carried a balance and usually pay it off before my statement. USAA does not allow it to graduate. Thus locking your money up for ever. You are correct that canceling the card will hurt your credit. I have complained about this and people from the executive team has called and stated they will discuss and get back in touch with me. (They have called me 3-4 times stating they will look into it and get back to me). I have never gotten the return call with the solution. Fyi, even if you pay on time, it doesn't matter when you apply for a unsecured card. All they look at is your credit score. Doesn't matter if you were blown up for your country.


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.