 TITLE: Avant Credit Card: An Unsecured Option for Low Credit Scores CONTENT: A Simple Unsecured Card for Building Credit\n-------------------------------------------\nIf you have bad credit, fair credit or a relatively new credit history, the AvantCard could be a good fit. Because it doesn't require a security deposit for approval, you can keep your money where it belongs: in your bank account.\nThe AvantCard reports your account activity to all three credit reporting agencies (Experian, TransUnion and Equifax). As long as you use the card responsibly and pay your bills on time every month, it can help you build a solid credit history.\nThat said, you'll want to make sure you don't run up too high of a balance. Your credit utilization rate, which is the percentage of the credit limit you're using at any given time, is an influential factor in your FICO® Score☉ . Credit experts recommend keeping your utilization rate below 30%—so if you have a $250 credit limit, that's a balance of $75—but the lower, the better. END