So I got my secured cc last September so roughly 8 months of having the card and i was wondering why it didn’t graduate yet. No missed payment always around 10% usage, so i decided to call nf to get some understanding on how it works….. this is what i was told when applying for secured cc with them it’s a soft pull and for to graduate that card it uses the soft pull information to determine if the card will get upgraded…. So when i got the card my credit score was in the low 500s now my score is high 600s nf said basically that card probably won’t graduate because of this and to just apply for one of the other card they have and then close out the secured card