 TITLE: How to Choose a Credit Card CONTENT: How to Pick a Credit Card to Build or Improve Credit\n----------------------------------------------------\nThere are a few options if you're brand new to credit, or if you have poor credit and want to use a credit card to help rebuild your credit.\nIf you have poor credit, you'll likely be best off with a secured credit card. Secured credit cards are credit cards that work the same as unsecured credit cards. The only difference is you'll put down a refundable security deposit when you open an account.\nThe card issuer holds on to your deposit and will generally give you a credit limit equal to the deposit amount. Having the money set aside reduces the issuer's risk of losing money if a cardholder doesn't repay their credit card bill, which is why issuers are open to giving secured cards to applicants with poor credit histories.\nWhen you're looking for a secured card, try to get a card that:\n*   Has a low annual fee or none at all.\n*   Has a grace period.\n*   Reports to all three major credit bureaus: Experian, TransUnion and Equifax.\nHere are some of our top picks for people who have bad or poor credit.\nA secured card could also be a good option if you're brand new to credit. Additionally, you could consider a credit card from an issuer that doesn't require a credit check.\nInstead of using your credit history, the issuer could link your bank account and review your transaction history. It can then approve or deny your application based on your cash flow—your income and spending.\nSome of these cards offer rewards, helpful benefits and don't have annual fees. Here are a few of our top picks. END