Shaunta Paap: as long as you haven't had bankruptcy in the past 12 months
Morris Cuomo: what do you mean by bad credit? what are your scores?if you can't handle credit you shouldn't be getting anymore, use a debit card instead till you become more responsible, a debit card can be used just like a credit card but takes money out of you bank account instead of borrowing it from a bank
Coleman Ocegueda: it's your money they're sitting on. they make money off of you. it's really no different than a bank debit card for those with a checking account, only they promise credit building, since it is secured liquid holdings I am not sure of the reporting requirments on credit scores, because technically this is not "credit".
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