Hubby and I are repairing and rebuilding our credit. It was suggest by our lender that we each needed revolving credit...well with a crappy score the only option we had was a secured card! He got a Cap1, but I got denied....crap...checked with USAA and I had to apply for their regular card, HOWEVER, upon being denied, they offered a secured card...the advantages is that it's secured with a Certificate of Deposit account, which means it earns interest...yeah!!! Downfall...no chance of unsecuring at a later date! Another downfall, CD has to stay in for 2yrs...but on their website it said you could make additional deposits...have to call and make sure tomorrow though...at least its a start!
USAA is a solid deal, secured or unsecured.
Your secured deposit is going to be earning interest, you can set your credit line at whatever you want/can afford, and you'll be building a positive history with a lender who you won't have regrets about later.
Giver yourself a pat on the back... I think you're getting a better deal that DH.
Friendly, Supportive & Respectful
"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli