 TITLE: How to Get Your First Credit Card CONTENT: Establishing Credit with a Secured Card\n---------------------------------------\nCredit cards are one of the best ways to establish and build your credit. But for people applying for their first card with little or no credit history, secured credit cards are a good option to help you establish your credit history.\nSecured credit cards can be used like any other credit card, but they require a security deposit upon signing up. The deposit amount can range from $200 to $3,000 and will typically be used to set your credit limit.\nOnce you start to use your secured card, most card issuers will report your account, your credit limit, and your payment history to at least one of the three major credit bureaus: TransUnion, Equifax, and Experian, the publisher of this article. This information becomes part of your credit report and is used to calculate your credit scores. However, you will want to confirm that the issuer of the secured card will report your history to the credit bureaus in order for the card to help you build credit.\nIt is important not to miss or make late payments, as your payment history accounts for 35% of your FICO® Score☉ , one of the most commonly used credit scores. You should also try to keep your credit utilization ratio—the amount of credit you use each month compared with the total amount of credit you have available to you—as low as possible.\nDepending on the secured card you get, there is a chance it will automatically convert into an unsecured card after several months of responsible use. Check out these other Experian secured card partners to find the right secured credit card for you.\n> Find the best secured credit cards in Experian CreditMatch™. END