With a secured card in hand, follow these tips:

  1. Make sure your secured card has a MasterCard, Visa, Discover or American Express logo. These are the most popular cards available and the ones most likely to be accepted by stores and restaurants.
  2. Apply only for a secured card that reports account activity to all three major credit bureaus. This way, when a lender pulls your credit report in the future, the credit you’ve built with the secured card will appear on the reports.
  3. Pay your balance off in full each month. By doing it, you’ll demonstrate to creditors that you’re a low credit risk.