[header] How to get a secured credit card [title] Find a secured credit card issuer. [step] Not all banks issue secured credit cards, but many credit unions offer secured credit cards to their members. If you are a member of a credit union, then you may want to check with them first. 
Secured credit cards from credit unions often offer lower interest rates and do not have annual fees. [substeps] If you are not a member of a credit union, you may be able to get one from your bank.