<prompt> Human: Credit Card Info:The deal is that you put 500 minimum into a locked savings account and you get 90 of that money onto a secured credit card. The savings account earns very little interest while the credit card still has interest like any other credit card though Im not certain of the actual rate. I believe this card has a monthly or yearly fee.Personal background:I still have quite a bit of student loan debt that Im slowly but surely paying off. I have one unsecured credit card with a limit of 500 with no balance. However, because I neglected student loans for a couple of years, Im not sure that I would be approved for another. The card was pitched to me as a great way to build my credit back up, however Im not sure if it is worth the fees or loss of liquidity. Any advice?Thanks!  <response>: if you already have one card with no fee and not a secured card - you should just use that the build your credit. No need to get that secured one to do it.Process is simple: buy a few small things each month. Wait for your statement, pay full statement amount before due date. Lather, rinse, repeat. 