Does anyone here have a secured card? Or ever had one? I need to re-build my credit, and this seems to be a good way to start. If anyone has any suggestions, I'd appreciate it.

 

I had 1. Needed something since I was denied anything else. You need to start somewhere. It's a good way. My experience was with Providian.
I put in $50 savings & they gave me a $200 credit line. It was a $50 yearly fee added to it. Maxed out the $200 each month & paid it off each month, for about 6 months then they raised it to $1000. Maxed that out, paid it down for another 6 months, then they took the yearly fee off. After a few years they up's the max & then made it an unsecured account.

 

Sounds good, that's what I'm looking for. Did you do everything on-line?

 

No
Providian was just bought & merged so I don't think you can use them anymore. But call around to some companies & see what they can do fo you.

 

Try Bank Of America. They have a secured credit card.

 

Cool, there's a BofA around the corner from me.

 

Also try Citibank, they're pretty secured and online banking too.