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rthorner

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In order to get a secured credit card do the banks run a credit report?T

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Yes

Typically they do check your credit report. Sometimes you will be offered an unsecured card. Some cards have limits even with a secured card, and will ask for a customized balance based on your credit report.

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Majority of them do, OpenSky is only one I know do not check your credit history, as with any credit related items, read the terms and conditions, understand what you get yourself into before you apply.

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To learn how credit works, I suggest reading the articles on this site.  After all, teaching about credit IS the purpose of Credit Karma. I now enjoy a very good credit score because I took the time to read the articles and learn what needed to be done.

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