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[2024?11?] 9?????????????5.9?!(?????) - HKCashBack ? #???? #???? #2024??When customers graduate form the program, their card is upgraded to an unsecured credit card and the holds to their funds in their Key Active. I was told by a supervisor on the phone that the card should graduate by the 5th day AFTER your 7th statement comes out. If you missed a payment. When clients graduate, their Key Secured Credit Card� is upgraded to an unsecured credit card and the hold on the funds in their Key Active.