If you have a rough credit history, you may want to consider getting a secured credit card. A secured card requires a cash collateral deposit that becomes the credit line for that account. For example, if you put $500 in the account, you can charge up to $500. That security deposit essentially safeguards you from defaulting on payments. It’s like training wheels in the world of credit to help you learn to manage credit responsibly, without too much risk. Just watch out for the high interest fees or activation and/or annual. Fees. But if you’re trying to bounce back from a bankruptcy, foreclosure…or you’re establishing credit for the first time, a secured credit card to help you thru the process.