Click Here and apply for your secured cards. Once the cards arrive only use the cards for very small measurable purchases like grocery purchases and/or gas fill-ups. Remember, to keep the balance below 30 percent always. Remember earlier we discussed how important utilization is and how important it is not to use up too much our available balance!

The idea here is to only make purchases that you can pay off within 30 days. It is very easy to get off track when using credit cards! So be VERY careful! Because this is a secured card there will not be an opportunity to have your credit limit increased because of timely bill pay. So, the only way to increase your limit will be to increase your limit on your own which is why maximizing your budget is important.

Keep track of each credit card swipe and the amount (There should be an app for your new cards that will allow you access to your card accounts 24/7) and when possible pay it off ahead of schedule. Once everything within your household balance sheet is flowing properly you will begin to see a significant increase in your savings, you will be able to increase your secured credit card limit (because of proper saving and budgeting), your credit score will begin to increase and your comfort with the dollars that you have at your monthly disposal will increase.