I don’t understand the hate towards secured CC’s. I see people all the time who can’t get unsecured cards, saying they don’t want a secured card. Why? If your rebuilding, or just starting out, or trying to get in with a bank, what is the problem? If your in an open bankruptcy, like a chapter 13, secured cards are even hard to get. Capital One denied me a secured card because my 13 is open. I went with Discover and OpenSky. Both good cards, fee wise, and the Discover can graduate to unsecured in time. Anyways, just a few thoughts I had after seeing so many people bad mouth secured cards, they are much better than Credit One or Premier, imho.