How can a Secured Credit Card help me establish or improve my credit?

A Secured Credit Card can help you establish credit if you don’t have any credit history, or improve your credit if it’s not as good as you’d like it to be. To see improvements in your credit, you must use your Secured Credit Card responsibly. It’s very important to pay your balance on time, and only buy what you can afford. Late and missed payments have a negative effect on your credit, even when your credit card is secured.