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Banks and other lenders love to make spending money easy.

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The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Whether your reward is cash back, miles or points, it adds up to money in your pocket. A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. You put down a refundable deposit — which becomes your spending limit — on a secured card and use it just like a credit card, repa. You don't have to pay any of it, you get to keep your card with a zero balance, and there's no impact on your credit scores.

They are also one of the best ways of spending when you j.

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