All things secured credit cards
If you had a card you did not use for a long time that was cancelled by the bank, it could impact your score too. An estimated two thirds of consumers who own credit cards in this country have an outstanding balance. That means that a lot of consumers with credit cards will be affected by the new restricted lending standards of banks. Call your bank if you have received a notice of modifications to your credit card account. If you make your payments on time and historically carry little balance, it is likely the bank will restore your old terms.