A secured card is a temporary stepping stone to build credit, usually used for six to twelve months before you qualify for a regular credit card. Avoiding credit entirely means you'll pay more when you need to make big purchases later.
About six to twelve months ("six months, nine months, maybe 12 months").
Yeah. It's going to take time for you to build your credit up and get away from them. You won't get rewards as much either. It's not so bad. You do it for six months, nine months, maybe 12 months, and you'll be able to graduate to having a better credit score and a better chance of getting a real credit card. It's really not that bad to get a secured card. It's pretty much, you know, it's a stepping stone. But you will realize that a lot of people who, you know, are afraid of credit and afraid of credit cards, and one day, if they try to get a house or get a credit card or buy anything large, they're going to pay tons because they had this perverse fear of credit.
