You may have seen the following ads or something similar:
Separated? Divorced? Bankrupt? Widowed? Bad Credit? No Credit?
No Problem
Make the call NOW and get the credit you deserve!
– Even if you’ve been turned down before, you owe it to yourself and your family.
– Your major credit card is waiting.
If you have no credit or a poor credit history, this ad may appeal to you. Using a secured credit card can be an effective way to build or re-establish your credit history. Be aware, however, that some marketers of secured credit cards make deceptive advertising claims to get you to respond to their ads.
Secured and unsecured credit cards work the same way; both can be used to pay for goods and services. A secured card requires security for your line of credit; an unsecured card does not. The savings account for a secured card may range from a few hundred to several thousand dollars. Your credit line will be a percentage of your deposit, typically from 50 to 100 percent. Usually, a bank will pay interest on your deposit.
Also, you may have to pay application and processing fees that sometimes amount to...
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