My wife and I have terrible credit which will not be removed until 12/2005. I got ill a few years ago and was unable to work. We have two serious judgments from 1998. Because we own a small business, we got a secured Optima for business and travel expenses. So far, it has been a good alternative. However, our card expires in Sept. 2003. Does this mean they'll refund our deposit and not renew the card. Any facts would be appreciated.