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Secured Credit Cards - If you have bad or no credit, the only credit card you are likely to be approved for is either a secured credit card or an unsecured credit card with very high fees and interest rates. This latter type of card is a bad choice, but is often picked by those with bad credit because the idea of sending in a security deposit to obtain a credit card is somehow beneath them.

Secured credit cards - an excellent way to rebuild your credit - Gas cards and department store cards are a good way to rebuild your credit if you are just starting out, but can be tough to get if your credit is already trashed. Also, these cards do not help your credit as much as a major credit card. Major credit cards are scored higher than "finance cards" (usually a credit card which can only be used at the store who issues it, like Best Buy, Texaco cards, etc.) So how do you get a major credit card if your credit is trashed? Secured credit cards.