<prompt> Human: As I understand it, my only option is a secured credit card, which isnt even really a credit card. Is this true? Are there any other options? Are there any secured cards without an annual fee?Thanks  <response>: Secured cards are credit cards, they are just backed with collateral. If you have no credit history then youre likely not going to be approved for a non-secured card, but you can probably upgrade after 6 months or so of demonstrated responsible use. There are very few secured cards without an annual fee. 