Answer: -A secured card is a credit card that is secured by your deposit in an interest earning savings account. It is for those who are looking to rebuild their credit, but are having trouble getting an unsecured card. Most banks report to all 3 credit bureaus. By making your monthly payment on time, this is the surest way to build or re-build your credit. -A secured credit card is a credit card where you give them money in advance equal to your credit limit. You can then use the credit card like normal because they already have the money in case you don't pay. This is designed for people with bad or no credit to help them establish some good credit. -You can get a secured credit card with bad credit, these cards usually ask you to send in money first. This are really good to help you rebuild your credit. Just make sure you pay on time.