A secured credit card is a revolving line of credit that uses a deposit by the cardholder as its credit limit. It works like an unsecured credit card and helps build credit by reporting to the major credit bureaus. 

A secured credit card is ideal for those with low credit scores or a limited credit history. Finding the best secured credit card for your needs will help you build credit from scratch or rebuild after a big drop in your scores. 

Secured credit cards are often easier to qualify for since you don’t need perfect credit to apply. Your credit limit is also tied to your deposit, so you can control your spending and build credit with a limit that works for you. 

Through responsible use, a secured credit card can help build your credit as it shows the credit bureaus you can handle a credit account. As long as you pay your balance in full every month and keep your usage low, your credit may improve over time. And with an improved score, you can qualify for unsecured credit cards with higher credit limits and additional perks. 

After building up credit and using the card responsibly, you can apply for an unsecured credit card with higher credit limits and additional rewards. 

When you use your Rewards Visa Card to rent a vehicle, you’ll get built-in Auto Rental Collision Damage Waiver coverage. Auto Rental Collision Damage Waiver will reimburse you for damages caused by collision or theft up to the actual cash value of most rental cars. For more information, go to www.eclaimsline.com or call 1-800-348-8472.

Roadside Dispatch is a pay-per-use roadside assistance program available 24/7. If you need a tow truck or locksmith, call 1-800-847-2869 for assistance.