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If you're more interested in rebuilding your credit than just borrowing more money, you could get a secured debit card. This is where you deposit some amount of money and then use the card just as you would a regular credit card until you reach a zero balance. At that point, you will need to either add more money to the card or quit using it. In some cases these cards are tied to savings account so that you could continue to use it so long as you had money in that account. In either event, the debit card company will report how you've used the card to the three credit bureaus. Assuming you use it sensibly, this can help you rebuild your credit. In fact, in many cases if you use that secured card sensibly for a year, the bank will then offer you a regular credit card.