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History at all, a secured credit card may be easier to get approved for than a traditional credit card. A revolving credit line, also known as a line of credit or a credit limit, is a type of loan that allows the loans borrower to access a predetermined amount of money as needed. Learn more about managing your credit and improving your credit score.

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Using a secured credit card responsibly can help you build or rebuild your credit, which may make it easier for you to qualify for a credit line in the credit future. Instead, lenders rely on the north borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer.