Before you consider upgrading to an unsecured credit card, review your credit report to make sure your credit score has improved 

A higher credit score increases your chances of being approved for an unsecured credit card and getting a better interest rate 

Once a year, you may visit to get a free copy of your credit report from each of the three main credit agencies 

Start by checking with your current credit card issuer to see if they offer an upgrade program 

Some secured credit card issuers offer upgrades to unsecured credit cards after a certain period of time and after meeting certain criteria 

This may include a good payment history, a higher credit score, and a consistent income 

If your current credit card issuer doesn’t offer an upgrade program, or if you’re not eligible for an upgrade, you can apply for an unsecured credit card from a different issuer 

It’s important to research different credit card offers and choose one that best fits your needs and financial situation