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A total of 3.1 million people got the card. This method requires you to find a card that's suitable for someone with low credit. Many of the top tier brands promise great credit. You put down a refundable deposit — which becomes your spending limit — on a secured card and use it just like a credit card, repa. Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time you spend.

A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit.

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