Whether you have poor credit history, or no credit history at all, secured credit cards are the next best alternative to unsecured credit cards. For a secured credit card, your personal savings account will provide the insurance and balance for your credit line. Once you have proven financial responsibility, it will then be possible to apply for an unsecured credit card, allowing you to have a larger credit line at a lower interest rate. Personal Finance Guide.com has chosen several of the leading secured credit card programs for you to choose from. Apply now, and you'll be that much closer to financial freedom!