when used responsibly regular non secured and secured cards can help consumers build a positive credit history while providing a way to make online purchases and eliminate the need to carry cash since both types of credit cards report payments and purchasing activity to the major credit agencies cardholders who use their card responsibly can build strong credit scores and potentially extend their lines of credit and in the case of secured cards potentially upgrade to a regular credit card 
building a good credit history is a combination of things making regular on time payments avoiding late payments keeping credit utilization under your credit limit and maintaining a low debt to income ratio by making responsible purchases and paying them off in a timely manner a credit score will rise making a consumer more attractive to other lenders also while it s best to pay off your balance each month your card issuer won t allow you to use another card to do that 