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    Credit term

    Secured credit card

    A secured credit card is backed by a cash deposit and is one of the best tools for building or rebuilding credit.

    You put down a deposit that usually becomes your credit limit, then use the card like a normal one. Because it reports to the bureaus, on-time payments build positive history. Many people graduate to an unsecured card over time.

    Not sure how this affects your score? We'll walk through your report with you.

    Mesa Group Consulting helps Bakersfield and Kern County families read their credit reports and dispute what is wrong, in English, Spanish, and Punjabi.

    Book a free consultation How credit restoration works

    Related terms

    Credit One Bank

    Credit One Bank is a card issuer that focuses on people building or rebuilding credit.

    Revolving credit

    Revolving credit is an account like a credit card where the balance and payment can change month to month.

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