What is a secured credit card?
What is a secured credit card?
user
A secured credit card is one in which you put a deposit in advance to guarantee the use of the card, and then pay back the amount over time, with interest.
assistant
So you have to put money down?
user
Exactly.  And in return for this risk, you can receive a lower interest rate than if you had used an unsecured credit card.
assistant
Do you ever get your money back?
user