It’s worth saving up the deposit and using the card for a while, though, as you’ll usually be offered a normal card quite quickly, as long as you don’t do anything terrible with the secured one.

 

If that all sounds like too much trouble, then you might like to try a pre-paid credit card. These cards must be loaded with money in advance, but from then on work like a normal credit card – except you don’t pay any interest or fees! Well worth it if you only wanted a card for the convenience anyway.

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