{"id":16338,"date":"2021-08-23T13:37:20","date_gmt":"2021-08-23T19:37:20","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=16338"},"modified":"2024-05-06T13:34:50","modified_gmt":"2024-05-06T19:34:50","slug":"do-secured-cards-help-build-credit","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/do-secured-cards-help-build-credit.html","title":{"rendered":"Here\u2019s how secured credit cards help build credit"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1501\" height=\"503\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/checking-a-secure-credit-card.jpg\" alt=\"Person checking credit card.\" class=\"wp-image-16335\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/checking-a-secure-credit-card.jpg 1501w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/checking-a-secure-credit-card-1100x369.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/checking-a-secure-credit-card-768x257.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<div class=\"quick-answer\">\n<h2>You can build your credit using a secured credit card by using your card regularly, paying off the full balance each month and keeping your credit utilization low.  <\/h2>\n<\/div>\n\n\n\n<p>A secured credit card is backed by a deposit, which enables lenders to provide secured credit cards to people with no credit history or bad credit. You can build your credit using a secured credit card by using your card regularly, paying off the full balance each month and keeping your credit utilization low.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If you have no credit history or bad credit, it can be difficult to get a credit card or a loan. Without credit, however, you can\u2019t start to build or improve your credit history. One way to build or improve your credit history is getting a secured credit card.<\/p>\n\n\n\n<p>Unlike a traditional credit card, a secured credit card requires a cash deposit. As long as you pay off your balance, the deposit will be returned to you when you close the account. But if you don\u2019t make payments on time, the deposit acts as collateral, and the lender will keep the deposit to pay what you owe.&nbsp;<\/p>\n\n\n\n<p>Read on to learn more about how secured credit cards work and how you can use one to build or improve your credit history.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-secured-credit-card\">What is a secured credit card?<\/h2>\n\n\n\n<p>A <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/secured.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">secured credit card<\/a> is similar to a traditional card in most respects, except that the card is backed by a cash deposit that lenders use as collateral.&nbsp;<\/p>\n\n\n\n<p>While lenders are typically hesitant to offer credit cards to people with no credit history or <a href=\"https:\/\/www.lexingtonlaw.com\/bad-credit\/credit-cards\">poor credit<\/a>, a secured credit card is a low risk, since you are essentially borrowing money from your own cash deposit. If you don\u2019t pay your bill, the lender can simply use your deposit to pay off the balance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1501\" height=\"1351\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/key-points-about-secured-credit-cards.png\" alt=\"Key points about secured credit cards.\" class=\"wp-image-16337\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/key-points-about-secured-credit-cards.png 1501w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/key-points-about-secured-credit-cards-1100x990.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/key-points-about-secured-credit-cards-768x691.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Here are a few key points to keep in mind with secured credit cards:<\/p>\n\n\n\n<ul><li><strong>Credit limit:<\/strong> The credit limit for a secured credit card is usually equal to the amount of cash you are required to provide as a deposit.&nbsp;<\/li><li><strong>Annual percentage rate:<\/strong> The annual percentage rate (APR), or the interest that you\u2019ll accrue by not paying your full balance each month, is typically higher on a secured credit card.&nbsp;<\/li><li><strong>Goods and services:<\/strong> Similar to a traditional credit card, a secured credit card can be used to pay for goods and services, including many bills.&nbsp;<\/li><\/ul>\n\n\n\n<p>By using a secured credit card with <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/habits-800-club-path-perfect-credit.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">good credit habits<\/a>, you can build or improve your credit history to enable yourself to get a better credit card or a loan.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-a-secured-credit-card-to-build-credit\">How to use a secured credit card to build credit<\/h2>\n\n\n\n<p>Once you have a secured credit card, you can begin using it to build or improve your credit, which could ultimately lead to a <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/good-credit-score\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">better credit score<\/a> and the opportunity to get a <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/credit-score-car-loan\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">car loan<\/a> or <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/loans\/types-of-mortgage-loans.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">mortgage<\/a>. Additionally, using a secured credit card responsibly may be a great path toward getting a regular credit card, which offers advantages like higher credit limits, rewards programs and better interest rates.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1501\" height=\"1787\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/how-to-build-credit-with-a-secured-credit-card.png\" alt=\"How to build credit with a secured credit card\" class=\"wp-image-16336\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/how-to-build-credit-with-a-secured-credit-card.png 1501w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/how-to-build-credit-with-a-secured-credit-card-1100x1310.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/how-to-build-credit-with-a-secured-credit-card-768x914.png 768w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/08\/how-to-build-credit-with-a-secured-credit-card-1290x1536.png 1290w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Keep the following in mind while using a secured card to build your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-make-sure-your-card-issuer-reports-to-the-credit-bureaus\">Make sure your card issuer reports to the credit bureaus<\/h3>\n\n\n\n<p>There are three major <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/credit-bureau\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">credit bureaus<\/a> that keep track of your credit history, so you\u2019ll want to be sure your credit card issuer is reporting your payments so you can build your credit.&nbsp;<\/p>\n\n\n\n<p>Check your credit card agreement or call the financial institution offering you a secured credit card to ensure they will report your credit history to the credit bureaus.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-use-your-card-regularly\">Use your card regularly<\/h3>\n\n\n\n<p>Your card will only make an impact on your <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/credit-report\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">credit report<\/a> if you use it, so you\u2019ll want to make regular purchases with your secured credit card. However, it is important to use your card responsibly, so aim for manageable purchases like groceries or small bills.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-keep-your-credit-utilization-low\">Keep your credit utilization low<\/h3>\n\n\n\n<p>One of the factors affecting your <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/credit-score\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">credit score<\/a> is credit utilization, which is the ratio between the credit available to you and the credit you\u2019re actually using. In general, it is beneficial to try to use 30 percent or less of the total credit at your disposal.<\/p>\n\n\n\n<p>Keeping your credit card utilization low signals to future creditors that you are a lower risk because you aren\u2019t relying too heavily on your credit cards.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-off-your-full-balance-every-month\">Pay off your full balance every month<\/h3>\n\n\n\n<p>An important part of <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/manage-credit-cards\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">managing a credit card<\/a> is paying off the full balance every month, which helps you avoid paying any interest or falling behind on payments, which in turn can lead to a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/negative-items\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">negative item<\/a> on your credit report.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advantages-and-disadvantages-of-secured-credit-cards\">Advantages and disadvantages of secured credit cards<\/h2>\n\n\n\n<p>Secured credit cards can be a good option, but it\u2019s important to recognize that they have drawbacks as well. Consider the advantages and disadvantages when deciding whether to get a secured credit card.<\/p>\n\n\n\n<p><strong>Advantages<\/strong><\/p>\n\n\n\n<ul><li>Enables you to build or repair your credit if you have no credit or poor credit<\/li><li>Encourages responsible use of credit due to required cash deposit<\/li><li>Is typically accepted everywhere a regular credit card is also accepted.<\/li><\/ul>\n\n\n\n<p><strong>Disadvantages<\/strong><\/p>\n\n\n\n<ul><li>May be impractical for long-term use due to lower credit limits<\/li><li>May have a higher interest rate, which can be problematic if you don\u2019t pay the full balance each month<\/li><li>May charge administrative fees&nbsp;<\/li><\/ul>\n\n\n\n<p>Overall, secured credit cards offer an excellent way to build credit, especially for those who have no credit history or poor credit. However, once you\u2019re able to qualify for a regular credit card, it\u2019s often beneficial to do so. Regular credit cards offer better interest rates and credit limits, and many also offer cash-back rewards.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re looking to get a secured credit card to <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/fix-credit\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">fix your credit<\/a>, make sure that you have taken a close look at your credit report for any inaccurate information that could be bringing down your score.&nbsp;<\/p>\n\n\n\n<p>If you need assistance formulating a solid credit repair strategy, consider consulting the professionals at Lexington Law Firm for <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">help addressing and removing negative items<\/a> from your credit report.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can build your credit using a secured credit card by using your card regularly, paying off the full balance each month and keeping your credit utilization low.  <\/p>\n","protected":false},"author":63,"featured_media":16335,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Secured Credit Cards Help Build Credit | Lexington Law<\/title>\n<meta name=\"description\" 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