Thanks for the input! I’m sure we’ll be reviewing more secured cards in the future. From the research I did, I’d put my money with the Platinum Zero Secured Visa. They let you spend the most of what you put down and report to all three bureaus.

I’m wondering if Providian still offers a secured card – that was my first credit card many years ago, and, in a short time, they converted it to unsecured.

That card changed banks three times and is now owned by Chase and, for me, is my highest credit limit/longest history card. Now that Chase bought it, I’m less than happy, but what can you do?

the Applied card only reports to 2 bureaus plus the monthly fee is very high. it also has a $500 minimum deposit requirement. personally, i dont think its a great deal.

the First Premier card is worse. very high fees and a high rate. no deal there.

Public Savings Bank has a decent card. low interest rate and after the initial $79 application fee there are no monthly or annual fees. they also report to all 3 bureaus.

Orchard Bank is decent too but there is an annual fee and the rate is higher than others.

just my two cents…