Rebuilding

Secured Credit Cards: How They Work

When to consider a secured card, how the deposit works, and how to graduate to unsecured credit.

A secured card is a real credit card backed by a cash deposit that becomes the credit limit. It reports to the bureaus like any other card.

Choosing one - Reports to all three bureaus - Reasonable annual fee - Path to graduate to unsecured - Ability to increase the deposit

Using it well - Keep utilization under 10% - Autopay in full every month - Don't add unnecessary cards while establishing history

Most people graduate within 12–18 months of disciplined use.

Related reading

Have questions about your specific situation?

Free consultation. We'll review your goals and next steps.

Free, no obligation. We do not guarantee any specific credit outcome. By submitting, you agree to be contacted about your consultation.

Book Free Consultation