Applied Bank® Secured Visa® Gold Preferred® Credit Card

There is a Visa card that works great as an introductory to credit cards. It's the Applied Bank Visa Gold Credit Card. This card requires deposit and it starts off with a small credit limit. The low limit ensures that you don't overspend, causing financial burden and the inability to pay the bill.

The application process is extremely simple, done online with a few basic questions regarding your personal information. There's no application fee or processing fee, so there's no money out of pocket to qualify. Best of all, the card can be used across the globe – anywhere a Visa is accepted, so the possibilities are almost limitless. Use it in stores, online, or even at an ATM. Where you choose to use is up to you.