Congratulations , next step is craving , then addiction .

Cannot specifically answer the question. I’m Medicare aged, have had over 250 total credit card accounts, have followed the credit card forums here intensely for ~12 years, and cannot recall ever reading anything here about a CD as collateral for a credit card.

Have occasionally glimpsed an ad or information elsewhere about Secured Credit Cards, fortunately never had to go that route, always thought none of those cards would be highly rewarding in terms of points or miles.