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What is a secured credit card? A secured credit card is any card that requires an initial deposit to open an account. The deposit, which is usually one to two times more than your requested credit limit, acts as collateral. If you miss or fail to make a payment, your credit card company will use the deposit to cover the unpaid balance. Why get a secured credit card? Because secured credit cards require an initial deposit, they’re usually very easy to get. But why pay a deposit to use a credit card? Well, you may need one for these main reasons. ....