Secured credit cards are a tool that can help you establish or build your credit history. Unlike prepaid cards, secured credit cards provide you with access to a credit line, and your payment activity will be reported to the major credit bureaus. Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report. Please note: before any secured card can be activated, it MUST be funded with a security deposit equal to the credit line.
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