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20-Sep-2020 22:58

It will report information to the major credit bureaus on a monthly basis, thereby helping you improve your credit standing.

If you'd like to track your progress, you can sign up for a free account with Wallet Hub -- the first and only website to offer free credit scores and full credit reports that are updated on a daily basis: https://wallethub.com/free-credit-score/ .

One "pro"-- a 18 percent interest rate cap at credit unions that are federally chartered.

You can learn more about secured credit cards here: .Watch out for higher interest rates, old annual fees returning and other tactics.Here's a Q&A on how they work and pros and cons in turning to them for credit/debit cards.The hottest debate is over a new consumer protection agency.

Meanwhile, the landscape for the consumer has fundamentally changed -- it's simply harder to get a loan of any kind and consumers are being called on to be more responsible in making financial decisions.The Credit CARD Act of 2009 curtails many of the most abusive practices.