Secured cards are built to help new or rebuilding users establish a track record with a refundable cash deposit held as collateral. The deposit typically sets the initial credit line and reassures issuers while the cardholder develops history. Responsible use, on‑time payments, and controlled balances may lead to reviews and possible graduation to unsecured products. Comparing deposit requirements, fees, and reporting practices helps shoppers choose the right fit. This straightforward structure makes secured cards a practical gateway to healthier credit over time.