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One way to manage the problem of bad credit and not owning a credit card is to take out what is known as a secured credit card. A secured credit card is backed by a deposit you make to cover the costs you charge on the card. At first this may not sound like much of an advantage, especially if you are strapped for cash. In reality; however, this type of arrangement can help you to build your credit back up to a reasonable number while also providing you with the convenience of possessing a credit card for renting cars, reserving hotel rooms, etc. Depending on the company you select,it may be possible to obtain a secured credit card with a credit limit as high as the deposit you can afford to make.