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Use it like any other credit card keeping in mind that it is your tool to build your credit. Make small purchases with it regularly, but keep in mind that your available credit limit is relatively low. So try to keep your balance below 30% of your credit limit. Thus, it will be easier to pay off the card balance at the end of each month. Pay off the card balance in full before the due date each month. All this is needed to show how responsible you are and that you can handle your credit.

As a rule, secured credit cards are used as a tool to improve credit and you may not keep it forever. However, some secured credit cards offer an upgrade to an unsecured account. For example, the Discover it® Secured Credit Card offers automatic reviews starting at 8 months to see if they can transition you to an unsecured line of credit and return your deposit. Plus, the card allows earning cash back and charges no annual fee, so you may want to keep it for a little longer.