So I know secured cards are great for rebuilding but with a company such as Capital One that will NOT graduate the card from secured to unsecured what do you recommend? My Cap1 secured card has a $ 500 deposit and they CLI me another $ 300. However, I am not a fan of improving my credit and just having that money sit there. I tried to apply for another cap1 card but it said I already have two and denied. Should I close the secured account? Its not quite a year old. How much can that hurt my score? Should I close and apply for another unsecured? Thanks for your thoughts!