conversation: User (Dimsdaledimmadome): "I got one of those cards that you put money down for an original limit on a credit card I think they're called secured cards. I needed to build my credit and I did, but now I want to open a new card and close this one so I can get the $500 dollars I put in back. I opened it probably over a year ago and my score was low 500 from a student loan that got messed up. Now my score is in the 700s and I have "pretty good" odds of being excepted by plenty of other cards. So can I close this secured card without it effecting my credit?"
  Self: "You may find these links helpful:\n\n- [Credit-related wiki pages](http://www.reddit.com/r/personalfinance/wiki/index#wiki_credit)\n- [Credit Cards](http://www.reddit.com/r/personalfinance/wiki/creditcards)\n- [FICO / Credit Scores](http://www.reddit.com/r/personalfinance/wiki/fico)\n- [Improving Credit Scores and Building Credit](http://www.reddit.com/r/personalfinance/wiki/credit_building)\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  