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Should I close my credit card?

A Reddit user aged 21 with a 790 credit score asks whether to close a $500 secured credit card issued by SSFCU — which does not convert to unsecured — and invest the collateral, weighing credit score impact against opportunity cost.

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Reddit r/CreditCards

Jul 15, 2026

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01 I opened an account when I turned 19 (I'm 21 now) with SSFCU, it is a secured credit card and the limit is $500. They don’t graduate the card to an 'unsecured'.

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