Secured credit cards or unsecured credit cards which is best to build credit?

I am sorry to hear about your problem. I find it strange that you could not get approved for a secured credit card since you would have deposited your own money to be used as collateral. There may be a reason why they declined you that is not typical of other secured credit card companies.

You might want to try again. My personal advice to you is that you start studying personal finance. Read financial blogs or go to your local book store.

One tip I can give you is once you do get a credit card use only that one for a minimum of six months to a year before applying for anything else. Multiple credit inquiries lower your overall credit score because it is perceived in the eyes of the credit bureaus that you are in serious need of money and are a credit risk. You are no different than any other young person.

It is usually a challenge to get your first credit card. Once you get your first credit card and start paying on time you start to build good credit. Good credit will help you get car loans and a home mortgage at a low interest rate.

Good Luck Here is an article about secured credit: http://creditfast.com/secured-credit-car...

If it's because you have a lot of derogatory accounts on your credit, you will just have to wait out the reporting period for those derogatory items to age off. If your credit is so bad that even secured cards are turning you down, you probably lack the financial management skills needed to have a credit card and should not get any credit cards.

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