The kind of credit card will not impact the score, the balance will. So now your credit line reflects a zero credit limit available? If this is the case you can easily obtain those 50 points by opening a secured visa with capital one which reports as unsecured. Though the limit will equal your deposit. The minimum is $300 I believe, but showing a credit line of 100% available regardless of how minimal, will increase your credit score by a minimum of 50 points.
It is not the credit line amount that helps your score, it is the percentage of available credit.
For instance, two different people apply for a mortgage. One has a credit card with a credit line of $300 and owes $45, thus their available credit is 85%.
The second person has a $5K credit card with $1000 available credit which is 20% of the credit line.
In the world of credit scoring models the one with the lower credit line would have the higher credit score because he has more available credit. You would think it is the opposite but it is all based upon available credit percentage.
I hope this helps you understand credit scores.
Have a great day;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker