I have two cap1 secured cards. Both have $ 550 limits. I’ve had the first one for a year and a half, and I’ve had the second one for 9 months. I’ve only been using the first card, as I was told to sock drawer the second. However, I’m not seeing a boost in my scores. A few points every other month or so. How can I get a bigger boost?
I dont have any recent negatives. Majority if my derogs are falling off within six months to a year.