Secured credit cards work against cash security deposits. They are very useful, especially if you are looking to rebuild your credit score. The deposit usually equals the credit line offered to you. This is held on to by the card-issuer until such time that the account is closed or you move to an unsecured credit card.
Let’s take a look at some of the best, secured credit cards in 2021.
Secured Mastercard from Capital One
The reason this card makes it to the list is the flexibility it offers for your security deposit. It also gives you the rare advantage of increasing your credit line beyond your initial deposit. It’s a top choice for someone starting with a credit card, though it may not be very suitable for someone who has a damaged credit score. Moreover, it has no noticeable rewards program, and some cardholders may find that the APR is too high.
Discover It Secured Credit Card
No annual fee, no penalty APR, 1% unlimited cashback on all purchases, plus a 2% cashback if you spend up to USD 1000 on gas and restaurants every quarter. You can start with a minimum deposit of USD 49 that will offer you a credit line of USD 200. You can also increase your credit line by increasing your deposit (the maximum is USD 1000).
OpenSky Secured Visa Credit Card
If your credit is badly damaged, this card might be the right pick for you. The card does not involve either a credit history check or a bank account. It also has a fairly low annual fee of USD 35, and the APR is manageable as well. The security deposit starts at USD 200 and goes up to USD 3000.
Citi Secured Mastercard
Here is a card that offers no rewards and no frills. However, you also don’t have to worry about fees charged upfront or an annual fee that other secured credit cards might charge. Best to pay on time and not keep a balance on this card because it has a high APR. The incentive is that you can upgrade to an unsecured card if you pay on time for 18 months.
U.S. Bank Secured Visa Card
If you’re looking for a higher credit limit, this might be the card for you. It’s a basic card with no annual fees and a decent APR. The credit limit can be increased to USD 5000, depending on your security deposit. You can also set up auto bill pay to avoid late payments.
Tips for buying trundle bedsRead more
If you want a bed that will save you space, but will not be too small, trundle beds are the best option. A trundle bed will suit the bigger families living in small quarters or those who have rented a new apartment, but want a bed that won’t make your room look clumsy. It is even very helpful when you have visitors in your house. But before buying a trundle bed you must have knowledge about certain things, which are listed here.
A trundle bed is a special modification of a normal bed in which a smaller bed can be inserted underneath a larger one. So with a single piece of furniture, you will get more than one sleeping space. It is very similar to bunk beds, but in this case, you can pull out that extra bed when you need it. At other times, it would just look like a normal twin-sized bed.
Why should you opt for a trundle bed?
If you want to save space, buy a trundle bed. You will get two beds in the same space as one. There are various shapes of trundle beds available in the market. You can opt for fascinating ones shaped in the form of a lounge which will, in turn, serve you both purposes. You can use it as a couch in the daytime and then take out the smaller bed when you need it.
For whom are trundle beds best?
Trundle beds can be used by anyone. But due to the smaller size of the bed which stays underneath, it is best suited for teens and children. It also serves best for guests who stay overnight in your house. However, if you have someone in the house who has a back pain, then trundle beds are not the option for you. Also because of its closeness to the ground, it is not an option for elderly people who may have a problem of getting up on their own.
Know about the material of your trundle bed
Trundle beds are available in various materials that are used in all other standard beds. They do not need any specific material. Trundle beds can be made of wood or even metal. Some brands even provide upholstered trundle beds. So it is best that you choose the material of your bed based on the other interior decorations of your house, also keeping your budget in mind.
Are trundle beds available in all sizes?
Trundle beds are crafted in a way so as to be easily accommodated in compact spaces. But they are available in various sizes. The twin size is the most common one.
Since, this is one bed that is available in all shapes, sizes, and colors, purchase a trundle bed that suits you the best and solves all your space issues.
How to deal with itchy skinRead more
You may be suffering from itchy skin because of a number of reasons. From a flea bite to severe conditions like psoriasis, itchy skin can be caused by different medical conditions. The best way to understand it is by diagnosing the itchy skin symptoms. Consulting a doctor will be the ideal way to treat itchy skin symptoms and get a prognosis on measures to be taken to control the itchiness.
However, often it is not possible to consult a doctor. You must be aware of these procedures that will help you control itchiness.
Use a good quality moisturizing lotion
Apply a high quality or medicinal moisturizing lotion to the itchy area at least once a day.
Use creams and gels that have cooling effect on your skin
Try to use creams and gels that are based on items like, cucumber, aloe vera, mint, and lemon that induce a cooling effect on the skin.
Avoid things that make your skin itch more
Try to avoid using clothes or foods or conditioners that accentuate the itchiness of your skin.
Apply anti-itch cream or lotion to the affected area
Anti-itch creams are easily available in a pharmaceutical store. Apply to the affected area at least 2-3 times daily.
It is hard not to scratch when your skin is itching like hell, but try not to scratch it as it may lead to a nasty infection. Wear gloves if necessary.
Apply a cold and wet compress
Wrap the affected area with a wet compress preferably using ice-cold or cold water.
Bathe in different solutions
Prepare a bath by dissolving baking soda or finely ground oatmeal in lukewarm water. Soak your whole body in it for about 30 minutes. Wash it off with regular water and apply moisturizer.
Itchy skin symptoms will abate if you follow these uncomplicated remedies. But if the itchiness persists, it is advisable to consult a doctor and let him/her take a look at your itchy skin symptoms.