<prompt> Human: I have a bad credit score thats at 580. I actually make a lot of money, but I defaulted on one of my student loans when I started working because I was really really immature. Fast forward 4 years, I got a secured credit card to rebuild my credit. Its really not doing anything for me. Its a 400 limit and I use it to pay for food and things of that nature and pay it off in full everytime. Ive had it for almost two years now and Ive called Capital One explaining the situation and that my income has drastically changed. I went from 27 an hour to 53 an hour IT - App Developer. So, Im pulling 100k. They wont extend my credit line because its a secured card and I need to apply for an unsecured card.I already know Ill be rejected because of the credit score and I dont want a card with a high interest rate anyway.The negative default on that loan will go away once its paid in full in the next 3 months. Its at 3000 was 10000 after interests and fees from defaulting. Im contributing 1200 a month for all of my loans since I started my new job.In all, what should I do? Im paying all of my loans and I should be debt free by the end of this year.Should I just cancel the secured card and use my cash? After Im debt free, Ill be working on the emergency fund.  <response>: Should I just cancel the secured card and use my cash?Capital One is notoriously stingy when it comes to increasing credit limits or converting secured cards to unsecured. They wont help you out.I think you just need to be patient here. Keep an eye on your credit score. Dont cancel the secured card yet, keep using it. Hopefully in four months after the debt is paid off and your report has been updated to reflect that information, your score will get a nice bump and you can obtain a new card and then cancel the secured card. I dont want a card with a high interest rate anyway.This is irrelevant. You already said you pay it off in full every time. Dont worry about the interest rate. Just make sure you get a card with no annual fee. 