 TITLE: How to Rebuild Your Confidence in Using Credit Cards CONTENT: One way to get started (or restart) with credit cards is to take small steps. Here are two to consider.\n*   **Get a \"starter\" card.** If you have no credit or bad credit, you could start with a secured credit card. These cards require you to put down a deposit equal to the credit limit and usually have lower spending limits compared with unsecured cards. A lower limit will help reduce your risk of racking up high debts.  \n    Use it like any other credit card and build your credit with each on-time payment, as long as the card reports payments to the credit bureaus (check when you apply). When you reach the point where you are confident enough to open a non-secured card, you can close your secured card and get a refund for the original deposit.\n*   **Don't miss payments.** Set a reminder so you never miss a payment due date. It can take seven years for a late payment to drop off your credit report, so paying on time is essential for your credit. END