Secured Credit Cards

Secured credit cards are a terrific option for establishing or rebuilding your credit history. Generally accepted wherever major credit cards are accepted, secured cards are easy to get, even if you have bad credit or no credit history. Making your payments on time will help to build a positive credit reference. Want to learn more about secured cards? Get helpful tips & advice from our experts.

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  • How to choose the right card?

    What to Avoid

    What To Avoid When Applying

    First, you will want to make sure that you do not have any pending bankruptcy proceedings, or your application will not be approved. Once you have any bankruptcy agreements fully discharged, then you can apply for a secured card. You will want to be aware of the total costs of secured cards that have very high interest rates and fees -- for example, cards that charge a monthly fee rather than an annual fee, or do not offer an interest-free grace period. Secured cards without a grace period ensure that cardholders will always be incurring interest on their charges, with no opportunity to avoid interest by paying their statement balance in full.
    What to Look For

    What To Look For When Applying

    If you are looking for a secured credit card, then you need to find a product that helps you rebuild your credit. First, look for a card that has a reasonable annual fee and competitive interest rates. Thankfully, there are several products available that have annual fees under $50 and interest rates under 25%. Other valuable features can include rental car insurance, emergency card replacement, as well as travel and emergency assistance services. Finally, it can help to get a secured card from a bank that also offers standard unsecured cards so that you can upgrade after a year of making on-time payments.
    Apply for More than one?

    Should You Apply For More Than One?

    If you have a limited or troubled credit history, then it's ideal to focus on having a single secured card to begin building or rebuilding credit, and those who have had credit problems should not try to manage multiple accounts. In addition, having multiple secured cards will require you to submit multiple security deposits, which can be expensive. The best strategy is to acquire a single secured card and carefully ensure that each month's payment is received on time. In addition, you will be better off avoiding interest by paying each statement balance in full.

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** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.Lenders may use different score models and you may not have the same score.

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