With responsible use, you may become eligible for an automatic upgrade to a traditional credit card. Responsible use can be as simple as spending within your limit and making on-time payments. Other items we may use to determine upgrade eligibility can include but are not limited to:

• The payment history of any credit account you may have.
• Your credit reporting with the three major credit bureaus.
• If you had a recent bankruptcy.
• If you have a social security number associated with your account.

After 12 months, we’ll review your account to determine if you’re eligible to graduate to a traditional card. If you qualify for an upgrade:

• Your security deposit will be returned within one to two billing cycles.
• You’ll receive a letter within seven to ten days that’ll outline your upgrade. It’ll include any changes to terms, conditions, and annual percentage rate (APR).
• Your benefits remain the same and you can keep earning rewards just like you did on your secured card.

If your account is not upgraded, we’ll continue to review your account for the opportunity to upgrade to a traditional card in the future.