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07-May-2020 09:50

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You’d be surprised what can end up on your credit reports without your knowledge.

If you manage your new account or accounts properly, you will establish credit and be able to leverage it for the future, and eventually, you may be in the position to qualify for more coveted credit card offers, like the ones named after precious metals.

As a credit newbie, you will be better off searching for credit card offers designed for your specific situation.

As a result, the issuer is more willing to take a chance on doing business with you, even if you are still a credit unknown.

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Perhaps the best part of secured credit cards is that your deposit is fully refundable so long as you maintain your account in good standing.

Secured credit cards can often be a great option when you have no credit history or a limited credit history.