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If you manage your new account or accounts properly, you will establish credit and be able to leverage it for the future, and eventually, you may be in the position to qualify for more coveted credit card offers, like the ones named after precious metals.As a credit newbie, you will be better off searching for credit card offers designed for your specific situation.
Having your account upgraded to an unsecured product will also result in a full refund.
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As a result, the issuer is more willing to take a chance on doing business with you, even if you are still a credit unknown.
Perhaps the best part of secured credit cards is that your deposit is fully refundable so long as you maintain your account in good standing.
Federal law allows you to claim a free copy of all three of your credit reports from Equifax, Trans Union, and Experian once every 12 months. Believe it or not, everyone does not have a credit score.