# Unsecured Neo Mastercard **URL:** \ **Category:** Community Support\ **Created:** [February 15, 2026, 1:01am UTC](https://neofinancial.discourse.group/t/unsecured-neo-mastercard/4396 "2026-02-15T01:01:21Z")\ **Posts on this page:** 4\ **Page:** 1
**Author:** ![Jimmyb67](https://avatars.discourse-cdn.com/v4/letter/j/43a26b/32.png) [@Jimmyb67](https://neofinancial.discourse.group/u/Jimmyb67)\ **Post date:** [February 15, 2026, 1:01am UTC](https://neofinancial.discourse.group/t/unsecured-neo-mastercard/4396/1 "2026-02-15T01:01:21Z")
Hi. I’ve had the secured Neo Mastercard with a $1500 credit limit for over 9 months. I paid off the balance every month. Is it possible to be approved for the unsecured Neo Mastercard? My TransUnion score is 602 but my equifax is only 525. Thanks. ---
**Author:** ![MaggieJoh](https://avatars.discourse-cdn.com/v4/letter/m/9f8e36/32.png) [@MaggieJoh](https://neofinancial.discourse.group/u/MaggieJoh)\ **Post date:** [February 15, 2026, 5:53am UTC](https://neofinancial.discourse.group/t/unsecured-neo-mastercard/4396/2 "2026-02-15T05:53:38Z")
Following! Great question! ---
**Author:** ![Daniel](https://avatars.discourse-cdn.com/v4/letter/d/3ec8ea/32.png) [@Daniel](https://neofinancial.discourse.group/u/Daniel)\ **Post date:** [February 16, 2026, 1:31am UTC](https://neofinancial.discourse.group/t/unsecured-neo-mastercard/4396/3 "2026-02-16T01:31:24Z")
You’re going to have to apply to know for sure, since there are factors beyond score, but I doubt you’ll be able to graduate. I think you want to be at least 700 across both. You’ll probably have to build score for at least another year to add 100 pts. #fin-ugc ---
**Author:** ![Jimmyb67](https://avatars.discourse-cdn.com/v4/letter/j/43a26b/32.png) [@Jimmyb67](https://neofinancial.discourse.group/u/Jimmyb67)\ **Post date:** [February 17, 2026, 1:51am UTC](https://neofinancial.discourse.group/t/unsecured-neo-mastercard/4396/4 "2026-02-17T01:51:27Z")
Thanks for your help