<prompt> Human: I have a credit score through credit karma of 517 due to not working for 5 years and having a few hospital bills in collections.I have been looking at secured credit cards to build my credit. I got approved for an unsecured credit card with a limit of 400. Should I use 2 to 3 hundred of that to get another line of credit via a secured card?I will be using the cards for emergencies and day to day items, and paying them off completely monthly.I make 10 bucks an hour but am about to start a 16 per hour second job. Total monthly bills are 600 a month.Thanks in advanceAssistant: Unsecured card has 33 percent Apr, 75 dollar yearly fee.Secured card would be around 20 percent Apr.  <response>: APR is irrelevant. If you care about APR, then you shouldnt have a credit card. 