A secured CC is our only option, apparently. We've been trying for a few years to get credit, but that's apparently impossible without credit. (Even though it seems we're the only one that simply CANNOT find a way to get a credit card or build credit!!) We are VERY financially responsible, but we just have GOT to start building credit and we just can't!! We're a young married couple, neither one of us has any credit, so we've tried applying for cards (major cards, store cards, student cards- yes, as FT students, etc) and never get approved because we have no credit. We can't make payments on something (like buy a new w&d and build credit that way) because everything here requires credit to open an account. We can't take out a small loan (yet). So our bank is offering a secured CC next month and we're definitely going to take it...but there's only one problem...I don't know what a "secured" CC is.