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What’s the Difference Between All These Cards?
You need credit but you keep hearing all these different terms: unsecured card, secured card, pre-paid card…If it seems like there’s a bewildering amount of options out there for you, you’d be right. There are many different types of cards available. That’s because there’s a credit product for just about every person’s financial situation. It may seem confusing, but let me take you through a very simple guide to three different types of cards that are out there.
Unsecured credit cards are built specifically for people with good to fair credit. No, an unsecured card is not a card that doesn’t feel quite confident about itself! Rather, unsecured just means that the bank that is issuing you the credit is supplying that credit without a guarantee that they will be paid back for that money (of course, always make those payments!).
Although approval is not guaranteed, this is a great option to help rebuild your credit as long as you can make timely payments
SECURED CREDIT CARDS
Secured cards are basically credit cards that are backed by a savings account used as collateral on the credit available with the card. Money is deposited and held in the account backing the card. The limit will be based on both your previous credit history and the amount deposited in the account.
Prepaid cards are exactly what they sound like: you pre-pay or load money onto the card so that you can spend it at a future date. So you can only ever spend as much as you put in.