Please choose the correct ending to complete the given sentence: Finance and Business: [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.

Ending1: In most cases, banks will refuse to accept secured credit cards from you if you do not have your credit card. [substeps] Do your research before going for the secured card issuer. Ending2: In some places, you may not qualify for secured credit cards unless your membership has been documented by the staff at your bank. Other banks may require secured credit cards because they protect credit hours and are only available to those with monthly balances. Ending3: Generally, there are a number of banks in every country that offer secured credit cards. If possible, have a friend or family member search for one of these institutions online. Ending4: 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.

Answer format: ending1/ending2/ending3/ending4