Zombie13, last year I was worried about the rebucketing issue as well, turned out to be a non-issue as my scores shot up into the 800+ range. Regarding how long to wait before asking for a graduation for your secured card, I'm not sure there is a good answer, if they're going to hit you with a hard pull I'd be a tad less sanguine about asking. Do you know if they have an automatic review process which, as I understand it, typically does not entail a hard pull?
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