Secured Credit Card Applications

If you have no credit or a negative credit history, it can be difficult to obtain an unsecured credit card. But, what you may not know is that you may be able to qualify for a secured credit card, which can offer many of the same benefits as an unsecured card.A secured credit card is much like a secured loan. You are required to deposit money into a savings account or a certificate of deposit as collateral for a line of credit. The card has the same appearance as an unsecured card and usually offers the same convenience and charging privileges as a traditional unsecured credit card.

Once you're accepted for the card, you are required to make a deposit into a savings account or certificate of deposit as security. The average minimum deposit required can run around $300. The amount of money you deposit should depend on your income and the line of credit desired. However, some insurers will offer credit the same or greater than the amount deposited; some others may offer a credit limit lower than the amount deposited. You may review our list of banks and companies that issue secured credit cards below.

 

The Warning Signs
Things to watch out for to avoid negative credit		 Your Rights Regarding Credit The FTC's and The Fair Credit Reporting Act  About Secured Credit Cards For negative or no credit you need to know
The Consequences
What you can expect with a bad credit rating		 New Credit Identity
Its a bad idea, find out why
 How Does Divorce Affect Your Credit? The issues with divorcing a spouse 
Your Credit Rating
The Importance of a good credit rating.		 Credit Scoring
Discover how creditors rate your credit.		 Money Management
Steps on how to smart manage your money.
Credit Counciling
Credit counselors can help restore credit ratings.		 Getting Out Of Debt
Take control of your debt and finances		 Finding the Right Mortgage for You
Shopping for a home loan
Guide to Developing a Sound Savings Plan
A comprehensive plan		 Credit Repair Scams
Avoid con artists and crooked credit repair firms.		 Fix a Credit Report
Steps to take in order to correct an inaccuracy.
Secured and Unsecured Debt understanding and defining the two... Debt Repayment Plans
A quick overview of such a plan		 Choosing the right Card
With card choices so many; choosing can be daunting
 

Your Credit Rating
The Importance of a good credit rating.

Credit Scoring
Discover how creditors rate your credit.

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