If possible please, avoid secured credit cards. Unlike unsecured credit cards that require no collateral, secured credits do require collateral. Many are deceptive, requiring you to have money in the bank to cover them, or you can only buy products from certain catalogs with expensive items.

Unsecured credit cards are fairly easy to get, even if you have imperfect credit. But if you have imperfect credit and you are already in debt be very careful; at PBM, we suggest getting advice from a professional credit advisor before obtaining a secured credit card. At PBM we offer free information on alternatives, so make sure you are making the correct decision and call us today at 1-800-573-1855.