<prompt> Human: So basically, my credit is pretty bad and im actively looking for ways to improve it. Last week my experian score was 634 and I have a total 1700 dollar credit line 1 used, I decided that I would try and help my score by doubling my credit line with a secured credit card.I signed up for a bank of america secured card and placed a deposit of 3000 dollars, in a couple days my credit score went up to 655! Now after doing this I realize that I probably overvalued the importance of a good credit score.I currently have 50,000 dollars invested in 401kafter tax accounts, so I justified investing 3000 dollars at 0 interest to increase my score and a 30y fee...ugh. Does anyone here think I made a good decision? Im not looking to make any credit based purchases for another 3 years at least But it does suck getting turned down when looking to rent every year  <response>: I dont know if it was necessarily a good decision, but Im pretty sure it wasnt a bad decision. I dont see any serious downside. The annual fee kind of hurts, but if you cant get credit any other way, then so be it. 