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At Nerd Wallet, we strive to help you make financial decisions with confidence. A credit card allows you to borrow money from a bank to make purchases, whether you’re buying a burger or a round-trip ticket to France.To do this, many or all of the products featured here are from our partners. As long as you pay back the money you borrow within the “grace period” of 25-30 days, you don’t have to pay extra.
Here are some options for doing that: A secured card requires a cash deposit, usually equal to your credit line.The deposit protects the card issuer in case you don’t pay your bill.Since the deposit reduces the risk to the issuer, credit card companies are more willing to give these cards to people with bad credit or no credit.Cards for people with average or bad credit are more likely to have a fee, as well.» MORE: Is it worth paying an annual fee for a credit card?