Hey /biz/ I got a secured credit card about 6 months ago to

>>1921345
is there a way you can 'graduate' your secured card to a unsecured one? I think my bank can do this but maybe im wrong. That way you wouldn't have to cancel it

Buy the dip

>>1921353
I'll consider that, but I got my secured card at a pretty shitty run-down local credit union, and they seem pretty incompetent to be honest.

They failed to send out some documents once, have really bad service, and I really don't feel comfortable with keeping an account there anymore, and I would really like to NOT keep a card there.

Is there any site online that lets me calculate how much my credit score would drop if I just cancelled it?

>>1921355
t-thanks

>>1921345
That .gif and all Sam Hyde (hereafter SH) likeness is copyright /pol/ this is a cease and desist

>>1921371
Average account age only matters if there's a large difference. You don't want to close down a 20 year old account and open a brand new one. A 6 month old card and a "while back" card average out to what... 4 months average account and that'll drop to 2-3? Just do it, it won't dip much and it'll be back to where it was in a month or two. There is no really long time here.

>>1921424
That makes sense, thanks

Cancelling a card can reduce your fico score?

wtf

>>1921597
The age of a persons credit history is one of the factors, I believe it's 20+ years for a top score