{"id":556,"date":"2024-03-28T04:44:39","date_gmt":"2024-03-28T04:44:39","guid":{"rendered":"https:\/\/inspectorcredit.net\/?p=556"},"modified":"2024-03-28T04:46:32","modified_gmt":"2024-03-28T04:46:32","slug":"secured-credit-cards-5-ways-to-find-them","status":"publish","type":"post","link":"https:\/\/inspectorcredit.net\/secured-credit-cards-5-ways-to-find-them\/","title":{"rendered":"Secured Credit Cards: 5 Ways to Find Them"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;et_body_layout&#8221;][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;et_body_layout&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;et_body_layout&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3a3a3a&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;et_body_layout&#8221;]A person who needs to repair, or build up their credit, may want to look at signing up for one or more secured credit cards. With this type of card, a person makes a deposit and can then make charges up to that amount. One can charge purchases, and either pay off the balance or make minimum payments over time. The credit card holder, though, is responsible for ensuring the company that supplied the card reports it to the three major credit bureaus. There are five main things a person can do to find the best secured credit cards.[\/et_pb_text][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3a3a3a&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;et_body_layout&#8221;]<\/p>\n<ul>\n<li>The first thing to do is to check with a credit union. Many offer secured credit cards to members. Sometimes they also waive application and annual fees. They often offer low-interest rates and additional options for rebuilding credit.<\/li>\n<li>The next way is to examine credit-card comparison websites. This is a good way to look at the good and bad points of the cards side-by-side and see which one is best for each personal situation. A person can use what they had learned to research individual cards better.<\/li>\n<li>The third way to find the best-secured credit cards is to look at how much a person should spend in fees and interest rates. Some available cards offer zero processing or application fees. A person should also choose an interest rate they are comfortable with to prevent potential problems later on.<\/li>\n<li>Another way is to look at the credit limit. The limits vary drastically by card, so it is important for a person to know what they sign up for ahead of time. A small credit limit could be a hindrance to one\u2019s financial well-being later on.<\/li>\n<li>Finally, in deciding on a card, look at the additional benefits that comes with certain card issuers. Some cards offer reward points while a person is building or repairing their credit. This can be a great tool for generating some potential money for the user. The benefits, again, vary by card so prepare to read the fine print and understand exactly what the credit card issuer offers.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Open Sans||||||||&#8221; text_text_color=&#8221;#3a3a3a&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;et_body_layout&#8221;]Secured credit cards can really become beneficial to one\u2019s financial future if they are willing to invest their time in doing some research ahead of time. Following these simple steps may just be the boost one needs to set the pace for improved credit for a lifetime.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A person who needs to repair, or build up their credit, may want to look at signing up for one or more secured credit cards. With this type of card, a person makes a deposit and can then make charges up to that amount. One can charge purchases, and either pay off the balance or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/posts\/556"}],"collection":[{"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/comments?post=556"}],"version-history":[{"count":3,"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/posts\/556\/revisions"}],"predecessor-version":[{"id":559,"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/posts\/556\/revisions\/559"}],"wp:attachment":[{"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/media?parent=556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/categories?post=556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/inspectorcredit.net\/wp-json\/wp\/v2\/tags?post=556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}