<prompt> Human: Im attempting to rebuild my and my wifes credit score so well be in a better position to buy a house in the next few years. As it stand I can get a secured credit card to help but my question is: are they worth it?  <response>: are they worth it?Absolutely. Sometimes that is the only way you will be approved for a CC. After youve had a secured card for over 6 months, your odds of getting approved for a normal card will be much higher. 