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How does the Secured Credit Card work?

Our Secured Credit Card is backed up by your savings account⁠—that’s why it doesn’t require any existing credit to open. Here’s how it works:

  1. You set aside funds in a special savings account.
  2. The money you set aside determines your credit limit. So if you set aside $500, you’ll have a $500 credit limit.
  3. You make monthly payments, just like any other credit card.
  4. You build (or repair) your credit. Your on-time payments count towards your positive payment history, just like a regular credit card.