A secured credit card can drop your score even when you pay on time 💳 How a secured card works, because adnakeyf_77 asked. 1. You put down a refundable deposit, often around $200, and that deposit usually becomes the credit limit. 2. It is a real credit card, not a debit card: purchases turn into a monthly bill. 3. Credit scores look at how much of the limit is used. $180 on a $200 limit is 90%. 4. It only builds credit if the issuer reports it to the credit bureaus, and not every card reports
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