Keep in mind that a secured credit card will work just like a regular credit card, this means if you carry a balance on them you will pay interests on it. Keep in mind that the biggest changes when it comes to the interest rates is that due to the high risk of your profile you will be charged with incredibly high rates. If you are using a secured card as a method to build and improve your credit score it is recommended to avoid leaving balances as you will affect your credit and you will have to pay these obscene rates.