Explanation
Secured cards report to all three bureaus exactly like unsecured cards, so on-time payments build payment history and low utilization builds the file.
After 6–18 months of responsible use, many issuers graduate the cardholder to an unsecured card and return the deposit.
Examples
- •$300 deposit → $300 credit limit
- •$1,000 deposit → $1,000 credit limit
- •Used as a primary card while rebuilding
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