Secured credit cards can be a valuable tool to build (or rebuild) your credit history. The cards you see here report your repayment history to the credit bureaus, so if you pay on time and follow other terms & conditions your credit score could improve over time. Our goal is to help you find a secured credit card with the lowest cost and fewest traps.Learn More
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Always pay your balance on time
Late payments can cost as much as $35
Never use a credit card at an ATM. A cash advance is extremely expensive
The fees and interest are extremely high
Always pay the balance in full
Secured cards have very high interest rates. Even if you pay 80% interest accrues on your full spend not the remaining 20%
Don’t spend on the card if you do a balance transfer
Unless the promotional rate extends to purchases, you will be charged interest on your purchases
Make sure the card is reported to all 3 credit bureaus
Your goal is to establish a good credit history. You are wasting your time if the card is not reported.