<prompt> Human: I was unknowingly very late on my student loan payments which killed my credit creditkarma says high 500 and low 600s. 25 yr old I have become far more aware and better with keeping up with my payments and such. I have no active credit cards, but I would like to start rebuilding my credit. I know there are many secured cards available, but which are the best to take the first steps with?  <response>: Capital One secured no annual fee and they will report to all three credit bureaus promptly. If you choose to use a credit union, make sure they report to all three bureaus. Not all secured credit cards are the same.I feel getting a secured card that has no annual fee is important since you will want to keep that credit line open for a long time, even after you work your way up to better credit. 