# How do i move from a secure to neo un secured credit card
**URL:** https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095
**Category:** Community Support
**Tags:** open-discussion, theget, tips-and-tricks
**Created:** [April 25, 2026, 11:07pm UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095 "2026-04-25T23:07:43Z")
**Posts on this page:** 6
**Page:** 1
### Author:  [@J\_R](https://neofinancial.discourse.group/u/J_R)
#### Post date: [April 25, 2026, 11:07pm UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095/1 "2026-04-25T23:07:43Z")
Hello everyone, im a relatively new Neo customer. I have now had the Neo Secured Card for about 8 months. I took advantage of the Secured card to help build positive credit history. Can anyone tell how long it will take to be offered a regular non-secured card from Neo? Ive been reading about how they will offer a unsecured limit after having witnessing good spending and payment habits for roughly 6 months. Im going on 10 months and no offers. Any advice? Id really like to remain a Neo customer if possible. Thanks
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### Author:  [@Jtiwana](https://neofinancial.discourse.group/u/Jtiwana)
#### Post date: [April 25, 2026, 11:24pm UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095/2 "2026-04-25T23:24:19Z")
That’s a question I have as well. I’ve been with Neo for almost 2 years and I still am on a secured card. I don’t think they have any set criteria to release the holds.
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### Author:  [@Tomaz\_Bowers](https://neofinancial.discourse.group/u/Tomaz_Bowers)
#### Post date: [April 26, 2026, 12:24am UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095/3 "2026-04-26T00:24:58Z")
Ive had mine for over 2 years now. And I havent had any offers yet. Would be nice to see what is needed to get an offer.
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### Author:  [@Daniel](https://neofinancial.discourse.group/u/Daniel)
#### Post date: [April 26, 2026, 3:55pm UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095/4 "2026-04-26T15:55:04Z")
I mean, how much credit progress have you seen? Having a secured card doesn’t equate to building credit.
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### Author:  [@J\_R](https://neofinancial.discourse.group/u/J_R)
#### Post date: [April 26, 2026, 4:30pm UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095/5 "2026-04-26T16:30:47Z")
Ive seen great progress. My credit score has gone up over 100 points in 8 months. The point of a secured card is to build credit and eventually get approval for an unsecured card. In my case it was a lack of credit history rather than poor credit history. There is no other reason nowadays to get a secured card. All bank cards work where you needed credit cards in the past.
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### Author:  [@Daniel](https://neofinancial.discourse.group/u/Daniel)
#### Post date: [April 27, 2026, 12:49am UTC](https://neofinancial.discourse.group/t/how-do-i-move-from-a-secure-to-neo-un-secured-credit-card/5095/6 "2026-04-27T00:49:37Z")
If there’s no bankruptcy, you’re over 700 and you’re making payments, yeah, should be able to get an unsecured card.