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months of responsible use, returning your deposit in the process.",[],{"_key":1426,"_type":143,"children":1509,"markDefs":1513,"style":1181},[1510],{"_key":1429,"_type":147,"marks":1511,"text":1512},[1178],"Types of credit and where secured cards fit",[],{"_key":1515,"_type":143,"children":1516,"markDefs":1520,"style":164},"k84",[1517],{"_key":1438,"_type":147,"marks":1518,"text":1519},[],"There are 2 main types of credit you'll encounter:",[],{"_key":1462,"_type":143,"children":1522,"markDefs":1527,"style":1528},[1523],{"_key":1524,"_type":147,"marks":1525,"text":1526},"k87",[1178],"Revolving Credit",[],"h3",{"_key":1473,"_type":143,"children":1530,"markDefs":1534,"style":164},[1531],{"_key":1476,"_type":147,"marks":1532,"text":1533},[],"Revolving credit allows you to borrow funds up to a certain amount, pay them back, and then borrow again. 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Higher APR",[],{"_key":1695,"_type":143,"children":1696,"markDefs":1701,"style":164},"k176",[1697],{"_key":1698,"_type":147,"marks":1699,"text":1700},"k175",[],"APR and fees vary by issuer. Generally, secured cards have higher APRs, which could be in the range of 22% to 28%. Unsecured cards offer lower APRs, mostly between 15% and 25%, depending on your credit tier.",[],{"_key":1703,"_type":143,"children":1704,"markDefs":1709,"style":1528},"k180",[1705],{"_key":1706,"_type":147,"marks":1707,"text":1708},"k179",[1178],"4. Not scalable",[],{"_key":1711,"_type":143,"children":1712,"markDefs":1717,"style":164},"k184",[1713],{"_key":1714,"_type":147,"marks":1715,"text":1716},"k183",[],"As your financial life grows, a USD $500 credit limit won't serve you well. Secured cards are a starting point, not a long-term tool.",[],{"_key":1719,"_type":143,"children":1720,"markDefs":1725,"style":1181},"k188",[1721],{"_key":1722,"_type":147,"marks":1723,"text":1724},"k187",[1178],"Who should use a secured credit card?",[],{"_key":1727,"_type":143,"children":1728,"markDefs":1733,"style":164},"k192",[1729],{"_key":1730,"_type":147,"marks":1731,"text":1732},"k191",[],"Here are a few reasons you should use a secured credit card for:",[],{"_key":1735,"_type":143,"children":1736,"markDefs":1741,"style":1528},"k196",[1737],{"_key":1738,"_type":147,"marks":1739,"text":1740},"k195",[1178],"1. You have no credit history",[],{"_key":1743,"_type":143,"children":1744,"markDefs":1749,"style":164},"k200",[1745],{"_key":1746,"_type":147,"marks":1747,"text":1748},"k199",[],"If you've never had a credit account, a secured card fixes that. 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You were denied other cards",[],{"_key":1775,"_type":143,"children":1776,"markDefs":1781,"style":164},"k216",[1777],{"_key":1778,"_type":147,"marks":1779,"text":1780},"k215",[],"A denial for an unsecured credit card is a signal that your credit profile doesn't meet the issuer's requirements. Rather than applying repeatedly (each application adds a hard inquiry to your report), a secured card offers a better path to approval. Once you have built a good credit score, you can always upgrade later.",[],{"_key":1783,"_type":143,"children":1784,"markDefs":1789,"style":1181},"k220",[1785],{"_key":1786,"_type":147,"marks":1787,"text":1788},"k219",[1178],"Who should NOT use a secured credit card",[],{"_key":1791,"_type":143,"children":1792,"markDefs":1797,"style":164},"k224",[1793],{"_key":1794,"_type":147,"marks":1795,"text":1796},"k223",[],"A secured card makes sense for specific situations. It's not the right tool for everyone.",[],{"_key":1799,"_type":143,"children":1800,"markDefs":1805,"style":1528},"k228",[1801],{"_key":1802,"_type":147,"marks":1803,"text":1804},"k227",[1178],"1. You already have good credit",[],{"_key":1807,"_type":143,"children":1808,"markDefs":1813,"style":164},"k232",[1809],{"_key":1810,"_type":147,"marks":1811,"text":1812},"k231",[],"If your credit score is in good standing, you don't need the training wheels. You'd qualify for unsecured cards with lower APRs, higher limits, and real rewards.",[],{"_key":1815,"_type":143,"children":1816,"markDefs":1821,"style":1528},"k236",[1817],{"_key":1818,"_type":147,"marks":1819,"text":1820},"k235",[1178],"2. You need high credit limits",[],{"_key":1823,"_type":143,"children":1824,"markDefs":1829,"style":164},"k240",[1825],{"_key":1826,"_type":147,"marks":1827,"text":1828},"k239",[],"Secured cards cap your limit at your deposit. If you're running business expenses, managing larger purchases, or need a buffer for travel, a USD $500 limit won't cut it.",[],{"_key":1831,"_type":143,"children":1832,"markDefs":1837,"style":1528},"k244",[1833],{"_key":1834,"_type":147,"marks":1835,"text":1836},"k243",[1178],"3. You're a founder running a small business",[],{"_key":1839,"_type":143,"children":1840,"markDefs":1845,"style":164},"k248",[1841],{"_key":1842,"_type":147,"marks":1843,"text":1844},"k247",[],"A secured card isn't designed for large businesses. The low limits, high interest rates, and personal-credit-first structure make it a poor fit for anyone managing high company expenses. They are meant for founders starting out their journey or managing a small business.",[],{"_key":1847,"_type":143,"children":1848,"markDefs":1853,"style":164},"k252",[1849],{"_key":1850,"_type":147,"marks":1851,"text":1852},"k251",[],"Most people overestimate how long they should keep a secured card. It’s a stepping stone, not something you rely on long term.",[],{"_key":1855,"_type":143,"children":1856,"markDefs":1861,"style":1181},"k256",[1857],{"_key":1858,"_type":147,"marks":1859,"text":1860},"k255",[1178],"How to get a secured credit card?",[],{"_key":1863,"_type":143,"children":1864,"markDefs":1869,"style":164},"k260",[1865],{"_key":1866,"_type":147,"marks":1867,"text":1868},"k259",[],"It's quite straightforward:",[],{"_key":1871,"_type":143,"children":1872,"level":1229,"listItem":1881,"markDefs":1882,"style":164},"k266",[1873,1877],{"_key":1874,"_type":147,"marks":1875,"text":1876},"k264",[1178],"Check your credit score:",{"_key":1878,"_type":147,"marks":1879,"text":1880},"k265",[]," You may get your credit score for free from Experian, Credit Karma, or numerous bank applications. It will help you select a good card.","number",[],{"_key":1884,"_type":143,"children":1885,"level":1229,"listItem":1881,"markDefs":1894,"style":164},"k272",[1886,1890],{"_key":1887,"_type":147,"marks":1888,"text":1889},"k270",[1178],"Look into issuers:",{"_key":1891,"_type":147,"marks":1892,"text":1893},"k271",[]," Check APRs, annual fees, minimum deposit amounts, and whether the issuer reports to all three credit bureaus. Stay away from cards with outrageous fees charged up front without any transactions.",[],{"_key":1896,"_type":143,"children":1897,"level":1229,"listItem":1881,"markDefs":1915,"style":164},"k283",[1898,1902,1906,1911],{"_key":1899,"_type":147,"marks":1900,"text":1901},"k279",[1178],"Make a deposit:",{"_key":1903,"_type":147,"marks":1904,"text":1905},"k280",[]," Minimum deposits usually ",{"_key":1907,"_type":147,"marks":1908,"text":1910},"k281",[1909],"k275","begin at USD $200",{"_key":1912,"_type":147,"marks":1913,"text":1914},"k282",[],". The greater the amount you deposit (within the issuer's limit), the greater the credit limit.",[1916],{"_key":1909,"_type":161,"externalUrl":1917,"linkType":163},"https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fhow-much-should-you-deposit-for-secured-card\u002F",{"_key":1919,"_type":143,"children":1920,"level":1229,"listItem":1881,"markDefs":1929,"style":164},"k289",[1921,1925],{"_key":1922,"_type":147,"marks":1923,"text":1924},"k287",[1178],"Apply:",{"_key":1926,"_type":147,"marks":1927,"text":1928},"k288",[]," Applications are generally done online in minutes. Just be sure to prepare some personal details and the method to make a deposit.",[],{"_key":1931,"_type":143,"children":1932,"markDefs":1937,"style":164},"k293",[1933],{"_key":1934,"_type":147,"marks":1935,"text":1936},"k292",[],"Prior to applying, make sure that the credit card issuer reports to all three credit bureaus – Experian, Equifax and Trans Union. Otherwise, a single-bureau card will have lesser effects on your credit score.",[],{"_key":1939,"_type":143,"children":1940,"markDefs":1945,"style":1181},"k297",[1941],{"_key":1942,"_type":147,"marks":1943,"text":1944},"k296",[1178],"How long does it take to build credit with a secured card?",[],{"_key":1947,"_type":143,"children":1948,"markDefs":1953,"style":164},"k301",[1949],{"_key":1950,"_type":147,"marks":1951,"text":1952},"k300",[],"The timeline varies, but here's what's realistic:",[],{"_key":1955,"_type":143,"children":1956,"markDefs":1961,"style":1528},"k305",[1957],{"_key":1958,"_type":147,"marks":1959,"text":1960},"k304",[1178],"1. 3 to 6 months",[],{"_key":1963,"_type":143,"children":1964,"markDefs":1969,"style":164},"k309",[1965],{"_key":1966,"_type":147,"marks":1967,"text":1968},"k308",[],"This is typically the minimum needed to generate a credit score if you have no history at all. FICO requires at least one account open for 6 months, while VantageScore can generate a score sooner.",[],{"_key":1971,"_type":143,"children":1972,"markDefs":1977,"style":1528},"k313",[1973],{"_key":1974,"_type":147,"marks":1975,"text":1976},"k312",[1178],"2. 6 to 12 months",[],{"_key":1979,"_type":143,"children":1980,"markDefs":1985,"style":164},"k317",[1981],{"_key":1982,"_type":147,"marks":1983,"text":1984},"k316",[],"Given regular timely payments and low utilization, one will notice a marked improvement in credit scores during this period. The same period is also when your card issuer checks if you’re eligible for an unsecured credit card.",[],{"_key":1987,"_type":143,"children":1988,"markDefs":2002,"style":164},"k326",[1989,1993,1998],{"_key":1990,"_type":147,"marks":1991,"text":1992},"k323",[],"Improvement will require consistent usage of the card and maintaining ",{"_key":1994,"_type":147,"marks":1995,"text":1997},"k324",[1996],"k319","low utilization rates (below 30%)",{"_key":1999,"_type":147,"marks":2000,"text":2001},"k325",[],", along with timely payment of bills.",[2003],{"_key":1996,"_type":161,"externalUrl":2004,"linkType":163},"https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fcredit-education\u002Fscore-basics\u002Fcredit-utilization-rate\u002F",{"_key":2006,"_type":143,"children":2007,"markDefs":2012,"style":1181},"k330",[2008],{"_key":2009,"_type":147,"marks":2010,"text":2011},"k329",[1178],"How to maintain a good credit rating while using a secured card",[],{"_key":2014,"_type":143,"children":2015,"markDefs":2020,"style":164},"k334",[2016],{"_key":2017,"_type":147,"marks":2018,"text":2019},"k333",[],"Knowing how to maintain a good credit rating starts with the basics, applied consistently:",[],{"_key":2022,"_type":143,"children":2023,"markDefs":2028,"style":1528},"k338",[2024],{"_key":2025,"_type":147,"marks":2026,"text":2027},"k337",[1178],"1. 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Too many in a short period can temporarily lower your score and signal risk to lenders.",[],{"_key":2096,"_type":143,"children":2097,"markDefs":2102,"style":1181},"k375",[2098],{"_key":2099,"_type":147,"marks":2100,"text":2101},"k374",[1178],"How to see my business credit score",[],{"_key":2104,"_type":143,"children":2105,"markDefs":2110,"style":164},"k379",[2106],{"_key":2107,"_type":147,"marks":2108,"text":2109},"k378",[],"Founders often assume their personal credit score covers their business, but that's not how it works.",[],{"_key":2112,"_type":143,"children":2113,"markDefs":2118,"style":164},"k383",[2114],{"_key":2115,"_type":147,"marks":2116,"text":2117},"k382",[],"If you're asking \"how to see my business credit score,\" here's where to look:",[],{"_key":2120,"_type":143,"children":2121,"level":1229,"listItem":1230,"markDefs":2130,"style":164},"k389",[2122,2126],{"_key":2123,"_type":147,"marks":2124,"text":2125},"k387",[1178],"Dun and Bradstreet (D&B):",{"_key":2127,"_type":147,"marks":2128,"text":2129},"k388",[]," Issues a PAYDEX score based on your payment history with vendors and suppliers",[],{"_key":2132,"_type":143,"children":2133,"level":1229,"listItem":1230,"markDefs":2142,"style":164},"k395",[2134,2138],{"_key":2135,"_type":147,"marks":2136,"text":2137},"k393",[1178],"Experian Business:",{"_key":2139,"_type":147,"marks":2140,"text":2141},"k394",[]," Tracks your business credit profile separately from your personal one",[],{"_key":2144,"_type":143,"children":2145,"level":1229,"listItem":1230,"markDefs":2154,"style":164},"k401",[2146,2150],{"_key":2147,"_type":147,"marks":2148,"text":2149},"k399",[1178],"Equifax Business:",{"_key":2151,"_type":147,"marks":2152,"text":2153},"k400",[]," Another bureau that maintains a distinct business credit file",[],{"_key":2156,"_type":143,"children":2157,"markDefs":2171,"style":164},"k410",[2158,2162,2167],{"_key":2159,"_type":147,"marks":2160,"text":2161},"k407",[],"Your ",{"_key":2163,"_type":147,"marks":2164,"text":2166},"k408",[2165],"k403","business credit score",{"_key":2168,"_type":147,"marks":2169,"text":2170},"k409",[]," is important because lenders, and suppliers use it to assess your company's creditworthiness. 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