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Some issuers allow you to graduate to an unsecured card automatically after one year while others do not.However, what sets this card apart from it's peers is that there is no credit check.This is important because though secured cards are meant to be "secured" in that your credit line is based on your collateral, many issuers have been known to turn down applications due to poor credit scores and dings on your credit report.Many mainstream bank issuers like Wells Fargo and US Bank have been known to turn down applicants with poor credit for their secured card products.