{"buyer_scenarios":[{"fit":"best_suited","scenario":"Prioritize three-bureau reporting and want payment activity reported to Equifax, Experian, and TransUnion from day one ."},{"fit":"best_suited","scenario":"Lack a lump-sum deposit and prefer to build savings while building credit through the Credit Builder Account structure ."},{"fit":"best_suited","scenario":"Want to avoid a hard credit check — no hard pull or minimum credit score is required to apply ."},{"fit":"best_suited","scenario":"Are already using or planning to use a Self Credit Builder Account and want a linked revolving credit account ."},{"fit":"not_best_suited","scenario":"Require a documented, automatic graduation path to a fully unsecured credit card ."},{"fit":"not_best_suited","scenario":"Want the security deposit returned while keeping the account open — the deposit is only returned upon closure ."},{"fit":"not_best_suited","scenario":"Want to avoid ongoing annual fees — the $25 annual fee after year one is rare among modern secured cards, many of which charge $0 ."},{"fit":"not_best_suited","scenario":"Plan to carry a balance — the high variable APR makes revolving balances costly ."}],"citations":{"source_mix":{"company_owned":6,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":10,"partial":7},"total_sources":18,"unique_domain_count":10},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards That Graduate to Unsecured Credit","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Secured Cards With Unsecured Graduation","subject":"Self Visa Credit Card","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Self Visa Credit Card","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Self Visa Credit Card","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Self Visa Credit Card","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","deepseek","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Self Visa Credit Card","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":9,"best_rank":9,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Self Visa Credit Card","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/secured-cards-unsecured-graduation/self-visa-credit-card.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/secured-cards-unsecured-graduation/self-visa-credit-card","report_type":"fit_review","study_id":"CCI-STUDY-40C1C8C8263D","title":"Self Visa Credit Card for Secured Credit Cards That Graduate to Unsecured Credit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-04 10:58:26.040192+00","research_date":"2026-09-04","source_snapshot_sha256":"5a8521bce21e4ba760e0cb5b13d0f98662535163e35ed8b9ca97a8c3694df92b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":8,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"The Self Visa Credit Card is a weak-to-mixed fit for consumers whose primary goal is a secured card that graduates to unsecured credit while keeping the account open. Only 2 of 7 AI platforms (deepseek and kimi) named the Self Visa Credit Card during the ranking stage, placing it at an average listed rank of 9.0. The strongest reason to consider it is three-bureau credit reporting with a low $100 minimum deposit and no hard credit check. The main limitation is that Self does not appear to offer a fully unsecured credit card, meaning the security deposit is only returned upon account…","target_buyer":"Consumers who want a secured card with a realistic path to unsecured credit and potential return of the security deposit while keeping the account open","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Graduation policy","review timing","deposit return process","three-bureau reporting","annual fees","APR","long-term account value"],"geography":"United States","slug":"best-secured-credit-cards-that-graduate-to-unsecured-credit","title":"Best Secured Credit Cards That Graduate to Unsecured Credit","use_case":"Secured Cards With Unsecured Graduation"}}