How to find a credit card that suits your functions and terms to meet your needs? So when deciding to apply, it is helpful to know the safest credit card.

Not all secured credit card offers are the same. As I said above, if your credit is bad, your credit status, including your medical bills, temporary unemployment, and your personal responsibility, will help you improve your choice.

1. Cards with low APR

The lower the APR, the lower your cost because APR is based on the fees, charges, and interest rates specified on the card.

When you compare the discount of each card, please look for a safe credit card with the lowest APR. In addition, you should also try your best to find a card that does not charge different APRs to minimize various fees and charges because sometimes different APRs will charge certain fees when withdrawing money from ATM, and these fees will also increase the APR.

The best-unsecured card should provide a decent annual interest rate, which will continue throughout the life cycle of the card (and may even decrease as a reward for responsible credit card use), rather than a low-interest rate such as 0%, which will increase sharply after six months to 1 year.

2. Low-cost card

You should try to find credit cards that do not charge annual fees and monthly maintenance fees at the same time, as well as transaction costs and ATM usage fees because the most secure credit cards do not charge the above fees at the same time. Look for companies that charge reasonable fees and compare multiple quotations to ensure that you receive a fair quotation. Remember, the lower the fee, the better the discount you will receive.

3. Help establish credit cards

If the guaranteed credit card is reported to the three major credit reporting agencies regularly is the best credit card. The card issuer helps improve your credit score by actively reporting your payment history. The longer your maintenance time is, the better your credit will be if you pay the balance every month. It is important if you like to rebuild a good credit record.

4. Cards that become unsecured credit cards

It is very important to look for those who have stated in the credit card terms that they can convert secured credit cards to unsecured credit cards. With these types of credit cards, you can rebuild your credit in one or two years. This type of guaranteed credit card will store a sum of money in your account and return the guaranteed money to you at the end of the period to prove your ability to use the credit card rationally.

These are factors that affect a secure credit card. Of course, there are other conditions. In a word, you should treat choosing a credit card as shopping, get to know more, and then find the best transaction and terms that are most suitable for you.

（Writer：Wanny）