Answer: -Anyone can get secured. It's better for some people as you make a deposit say $300. You can then only spend up to $300 and end up paying them back to the $300. So for simplicity purposes, it can be thought of as a checking account of sorts. You deposit an amount and then use that amount but it differs in that you make payments up to the deposit amount and it gets reported to credit agencys like a regular card. -Right now a secured card would be best to help establish good credit after you establish a little credit card comps will be knocking your door down!!!