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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchIf you can qualify for an unsecured card with reasonable terms, it avoids tying up money in a deposit. If you cannot, a secured card may be a useful starting point—provided you can afford the deposit and the issuer reports account activity to the credit reporting companies. Either type can help build credit history through responsible use, but neither guarantees a particular score increase.
How secured and unsecured cards differ
A secured card requires a cash deposit that typically supports the credit line. The deposit is collateral for the issuer; it is not a payment toward your monthly bill. An unsecured card does not require that collateral. Issuers set their own eligibility criteria, so applying for either type does not guarantee approval.
With a secured card, the deposit ties up cash, and the starting credit limit may be small. Depending on the issuer, a record of on-time payments may lead to a higher limit or a returned deposit, but policies differ. Check the account agreement for the issuer’s review criteria and deposit-return process rather than assuming the card will graduate to unsecured status.
Which card fits your situation?
Consider a secured card if access is the main hurdle
If you cannot qualify for a regular unsecured card, a secured card may offer another way to establish a reported payment history. Before applying, make sure you can leave the required deposit unavailable for a period that the issuer’s terms specify, and that the credit line and payment schedule fit your budget.
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- QUICK ACCESS: Unlike traditional leather wallet, this mens slim wallet is equipped with the ejection mechanism. Simply press the side button on the card holder, all cards pop up at a step pattern that makes them very easy & convenient to take out.
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Consider an unsecured card if its terms are manageable
If you qualify for an unsecured card with reasonable fees and terms, it avoids the deposit requirement. Compare the actual offer—not just the card type—and choose an account whose costs and repayment demands you can manage.
Compare the terms that affect your decision
- Deposit and cash flow: Check the required deposit and how it is held and returned. There is no universal deposit amount or return timeline.
- Fees and interest: Review the current pricing disclosure for annual and other fees, purchase APR, penalty terms, and other account costs. Secured cards can have high fees and rates.
- Credit reporting: Ask which credit reporting companies receive account information. Reported payment activity is what can contribute to a credit history.
- Credit limit and graduation: Check whether the issuer reviews accounts for a higher limit or transition to an unsecured account, and what conditions apply.
- Repayment fit: Choose a due date and credit line you can handle, and avoid relying on borrowing you cannot repay.
The CFPB’s guidance on rebuilding credit advises checking card terms, including fees and interest, before choosing an account.
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How to use either card to build credit
- Pay every bill on time. Payment history matters. Set reminders or automatic payments for at least the minimum due, while ensuring funds are available.
- Keep card use modest. Avoid using too much of your available credit. A small limit can make it easier to reach a high share of the limit, so track spending rather than waiting for the bill.
- Pay the statement balance in full when possible. This can avoid purchase finance charges. You do not need to carry an interest-bearing balance to build credit.
- Apply selectively. An application can prompt the issuer to review your credit report, and the resulting inquiry may affect your score. Avoid several applications close together; apply for credit you need.
- Check your credit reports. Review them for errors and dispute inaccurate information with the relevant credit reporting company.
The CFPB’s ways to start or rebuild a good credit history include paying bills on time, keeping balances well below limits, and applying for credit selectively. It also identifies a credit-builder loan as another possible option for people who do not want or cannot obtain a card.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What a card cannot fix—and how long negative information can remain
A new card does not erase accurate negative history or guarantee fast credit repair. The CFPB says most negative account-payment information can generally be reported for up to seven years. That is a reporting-duration rule, not a prediction of how quickly a score will change. If information is wrong, dispute the error; paying a credit-repair service does not make accurate information disappear.
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As the CFPB puts it in How to rebuild your credit, “There are no shortcuts or secrets.”
Quick Recap
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