They have the lowest annual fees and APRs. Applying for any of them won’t involve a hard pull on your credit. On the other hand, they will report your financial activity to the major credit bureaus TransUnion, Experian, and Equifax on a monthly basis. This can help you build or rebuild your credit, as long as you keep your account in good standing.
It's also worth mentioning that these cards are secured, so they do require a refundable security deposit upon account opening. The amount of this deposit will also serve as your credit limit, not allowing you to spend more than you can afford.
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