When you apply for a card, the first thing that the company does is look at your credit history and score. If your score is good or bad, they are going to approve you for a secured credit card because once again, it's the deposit that matters. If you're unsure of your credit score, make sure you find out what it is beforehand because you may not if you're eligible or not for a regular card. A regular card is going to be a lot better simply because of the fees you're going to encounter.

If your credit score is low then you're not going to have many routes to take. Once the company looks at your score, they will most likely assess your debt. The more debt you have compared to your income, the more you're going to be at risk to the banks eye. This is why it's important to get a card like this in order to build your credit score because you're going to find it's hard to approved anywhere else.