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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 want to keep it forever. However, some secured credit cards offer an upgrade to an unsecured account. For example, the can be transitioned to an unsecured line of credit and Citi will return your deposit back. Plus, the card allows you to choose your payment due date in the beginning, middle or end of the month.