Repairing your credit is not as easy as having a great card. While the cards in question will be a valuable tool for your credit reparation process, the most important thing is responsibility. Pay all of your dues on time, and you can rest assured knowing that your credit score is increasing. When your credit score rises to a particular level, you can opt for a better card with more features. This will only be available once you've got your credit score up to a specific level - Good or Excellent.