The service will tell you how and where to report the fraud. If your credit card application is turned down and you must have a credit card, you can apply for a secured credit card. Many persons need a credit card for job-related travel. Depending on the bank, you will have to deposit as little as a few hundred dollars or as much as a few thousand. When shopping for a secured credit card, make sure you understand all the costs and limitations.
Secured cards can be expensive.
Non-refundable application fees and annual fees can run into hundreds of dollars. Some companies deceptively advertise secured VISA and MasterCards through television, newspapers and postcards. The ads make you believe you can get a credit card just by calling a telephone number listed in the ad. The ads do not tell you about income and age requirements to qualify for a card, or application and annual fees. In the next section, read how you can order a list of secured credit card offers.