Choose your credit card wisely

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Essentially, the issuer wants you to begin using the card as soon as you deposit the security. Wise usage necessitates avoiding exceeding your limit. You should also keep your card utilization low; this is the percentage of your credit that is used against your limit. Credit usage of 30% or less is good for credit building. In addition to the security deposit, you should think about how much interest a credit card costs. Secured card APRs are often high and consistent. It runs from $24 per cent and higher, in contrast to standard Credit Cards, which have APRs ranging between 13.99 per cent and 24.99 per cent.

Another factor when choosing a card is the reward terms. Such include:

• Zero charges on international transfers
• Cash backs on restaurant and gas station payments
• Zero annual fees

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