It's nice to find a secured credit card with a $0 annual fee. Even better is one that offers a path to upgrade to a regular card. This one does both — and it gives you rewards, too. Many or all ...

Imagine you have three credit cards with limits, as shown in the table below. If you charge $500 on Card A, your credit utilization ratio for that card would be $500 / $2,000 = .25, or 25%. However, ...