Secured credit cards function exactly as regular credit cards, and even outwardly appear the same. The only difference: an applicant must put down a "security deposit" in order to receive a line of credit. These cards are perfect for consumers with poor or insufficient credit prerequisites. Many secured credit cards have lower APRs than their unsecured counterparts, because each line of credit is secured by a deposit which varies by each card offer. Browse a wide selection of secured credit cards - right here.