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Best Secured Credit Card. Free Dish Satellite TV. WHAT IS A SECURED CREDIT CARD? What sets a secured credit card apart is that it is provided by credit companies and banks, but only once you provide sufficient collateral to secure the credit line. Most credit companies only issue credit cards to people who have good credit scores, but a person can obtain a secured credit card even if they have bad credit, or none whatsoever. Secured Credit Card After Bankruptcy. Secured Credit Card with No Credit Check.