Home › Forums › Credit Talk › General Credit Forum › Please Just UNDERSTAND › Re: Please Just UNDERSTAND

Hello Bigtye1deep, welcome to the forums.
Congratulations on your progress. It’s great to hear you were able to take care of your collections. Did you pay to get them deleted? Remember to always pay on time and never max out your cards to keep improving your scores.
Unfortunately Capital One’s secured card can’t be product changed to a different card. That’s why you have two different accounts now. They didn’t mention that to you? They should have. Their secured card also does not graduate. You can either keep your secured card for a little longer to establish more credit history, or close it at your convenience to get your deposit back.