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Secured Credit Cards

Your credit journey
starts here.

Najem Financial Secured Credit Cards are designed for people building or rebuilding credit. Make a refundable security deposit, use the card responsibly, and watch your score grow — all while reporting to all three major credit bureaus.

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No credit history required
Reports to all 3 bureaus
Upgrade path after 12 months
VISA SECURED CREDIT
•••• •••• •••• 1147
Card Holder
Najem Financial Member
Reports to all 3 bureaus
300 → 850 possible range
6 months to see improvement
Credit Score Journey

Where you start isn't where you'll end up

With responsible use, most secured cardholders see meaningful credit score improvement within 6 months.

Start here
580
Poor
300
Fair
580
Good
670
Very Good
740
Excellent
850
0–3 mo
Account establishes
Score may initially dip slightly, then stabilize
3–9 mo
Steady improvement
On-time payments build positive history
12+ mo
Upgrade eligible
Review for unsecured card + deposit refund
How It Works

Three simple steps to better credit

Building credit with a secured card is straightforward — and we're with you every step of the way.

1

Make Your Deposit

Provide a refundable security deposit of $200–$5,000. This deposit becomes your credit limit — so a $500 deposit means a $500 credit limit.

Your deposit is 100% refundable
2

Use Responsibly

Make small purchases each month and pay your balance in full and on time. Keep utilization below 30% of your limit for the best score impact.

Reports to Equifax, Experian, TransUnion
3

Upgrade Your Card

After 12 months of on-time payments, you may qualify to upgrade to an unsecured Najem Financial card. Your deposit is refunded and your credit line may increase.

Deposit refunded upon upgrade
Featured Card

Visa Secured Credit Card

VISA
Visa Secured Credit
Najem Financial Secured Series
Security Deposit
$200 – $5,000
Credit Limit
= Your Deposit
Purchase APR
24.99% variable
Annual Fee
$39
Apply for Secured Card
What's included
Reports to all 3 major bureaus
Equifax, Experian, and TransUnion — monthly
Free FICO Score monitoring
Check your score anytime in the Najem Financial app
Upgrade path after 12 months
Qualify for an unsecured card with deposit refund
Zero fraud liability
You're never responsible for unauthorized charges
Contactless & mobile pay
Apple Pay, Google Pay, Samsung Pay
Score Improvement

Typical credit score improvement journey

With consistent on-time payments and low utilization using a Najem Financial Secured Card. Individual results vary.

Credit Tips

Habits that build great credit

Follow these four principles consistently and you'll see meaningful improvement in your credit score.

Pay On Time

Payment history is 35% of your FICO score — the single biggest factor. Set up autopay for at least the minimum to never miss a due date.

Keep Utilization Below 30%

Credit utilization is 30% of your score. On a $500 limit, keep your balance under $150. Ideally, aim for below 10% for the best impact.

Don't Apply for Too Many Cards

Each hard inquiry can temporarily lower your score by a few points. Space out applications by at least 6 months when building credit.

Monitor Your Score Monthly

Use your free FICO score in the Najem Financial app. Monitoring lets you catch errors and see which actions are having the most impact.

FAQ

Secured card questions answered

A secured card requires a refundable security deposit that becomes your credit limit. An unsecured card does not require a deposit — the bank extends credit based on your creditworthiness. Secured cards are ideal for those with no credit history or poor credit who want to build or rebuild their score.
Yes — your deposit is fully refundable. When you upgrade to an unsecured card (typically after 12 months of on-time payments) or close your account with a $0 balance, your deposit will be returned to you, usually within 1–2 billing cycles.
Most customers begin seeing score improvements within 3–6 months of responsible use. The exact timeline depends on your starting score, utilization rate, payment history, and other factors in your credit file. Consistency is key — each on-time payment adds positive history.
Checking if you pre-qualify uses a soft inquiry, which does not affect your score. Submitting a full application triggers a hard inquiry, which may temporarily lower your score by a few points. This typically recovers within a few months of responsible card use.
Yes — you can increase your credit limit by adding to your security deposit at any time, up to the $5,000 maximum. A higher deposit means a higher credit limit, which can also improve your utilization ratio and positively impact your score.
Start Building

Take the first step
toward financial freedom

Apply online in minutes. Deposit as little as $200 to start. No credit history required — we're here to help you build yours.

Open Secured Card Today See All Credit Cards

Subject to credit review and approval. Security deposit required. See full terms for details on APR, fees, and upgrade eligibility.