In my late teens, my first credit card was a secured credit card just like the one above. I had to put a couple hundred dollars into the account to open it, but within just a few short years my credit was great and I owe a lot of that to a prepaid visa card. If, you're in a credit slump or just plain don't have credit. I would highly recommend starting (or re-starting) with a prepaid credit card! You can build or re-build your credit, safe and effective!