Not everyone has a great credit history. Additionally, there are plenty of people who have little to no credit history at all. If you are in one of these positions, you know that it can make quite a few things difficult for you. Not only can your credit history impact your ability to secure things like a loan, but it can also have an effect on your ability to get the job. Fortunately, while a less than stellar credit history can create a wide range of issues for you, there is a way to get your credit back on track.

The easiest way to improve your credit score is by using a secured credit card. If credit cards applications you have submitted in the past have been declined, you may think that you won’t be able to obtain this type of card either. However, what makes this type of credit card different is the fact that you secure it with a deposit. Depending on the credit limit you have, the deposit you use to secure your card can be as little as a few hundred dollars or as much as several thousand dollars. Other than this deposit, everything else about your card will work like a regular credit card. You’ll be able to use your card wherever Visa is accepted, and you will be able to make monthly balance payments. Since you’re trying to rebuild your credit, it’s best if you can pay off your entire balance each month.

If you’re looking for a lender that offers good terms on their secured credit cards, check out Wells Fargo. They have a very low annual fee, and they give you a lot of flexibility in the features you want from your card.