If you are denied for a card, consider getting a secured card from your bank to help build your credit back up. (discover.com)
Do not charge more than you can pay off in full at the end of the month, or you could be defeating the purpose of getting a secured card in the first place. (moneytips.com)
If you often forget to repay on time you should consider getting a secured card. (mortgagebrokerstore.com)