 TITLE: How to Get a Secured Credit Card CONTENT: Important Factors to Consider When Choosing a Secured Credit Card\n-----------------------------------------------------------------\nIt's important to pay close attention to the annual fees, APRs and miscellaneous fees associated with the secured card you choose. Some secured cards may have higher APRs than others, so paying attention to these details can help you save money over time.\nYou should also make sure that the card issuer reports your information to at least one, and preferably all three, major credit bureaus. Managing a secured credit card responsibly and having your on-time payments reflected in your credit reports can help you build, or rebuild, your credit.\nAs you start to use your secured credit card, it is important to know how your credit scores are calculated and what you can do to improve them over time. Checking your credit reports and scores regularly can help you stay on top of your finances and track any changes to your scores over time.\nFree credit reports from all three major bureaus are available via AnnualCreditReport.com. You can also get your credit report and scores for free through Experian. END