I think Household Bank has a secured card. Also, my husban, when trying to rebuild credit got a card from Bank of America. They gave him a $500.00 limit but they made him pay $99.00. Has your friend looked into credit repair? A year ago my husband and I both had credit scores of 350-450 now we're both middle 620. It was a Godsend to us and I will never regret it!!