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|The credit limit is equal to the deposit ($200 to $5,000 plus additional deposits in $100 increments). This is deposited into an 18-month CD, at which time there is a review for possible upgrade to an unsecured card. Additional deposits will require opening another CD. No other fees. Reports to all three agencies. The secured deposit is refunded as either a credit on the card, or if card is closed, a check. The interest is paid on the CD at 1%.|