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Re: secured card-is deposit taken out of credit limit or paid up front?
Just wondering-I am shopping for a good secured CC. Most need a security deposit. Is that paid up front first when applying or is it taken from the amount of the card limit if and when approved?

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You have to pay up front since that deposit is the security.  Please take the time to read the articles on this site, to munderstand how credit works.  THAT is the purpose of Credit Karma.

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As said you have to pay that upfront. I suggest checking out Capital One for a Secured card. Whatever you do, make sure that you get a Secured card that is reported to all three credit bureaus, so do your homework if going with a lender other than Capital One. Depending on how bad your credit is, sometimes Capital One will not request that you pay the full amount of the card and just a partial portion of the card limit. They also give you so many days to get them the funds if you decide to take the card if you are approved. Keep in mind that you get Hard Inquiries for Secured cards too, so don't go crazy apping for them.

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