For those rebuilding, a secured credit card is the safest stepping stone. By providing a refundable security deposit, you establish a credit limit and prove your reliability to the major credit bureaus.
Alternatively, unsecured rebuilder cards exist but often carry higher annual fees. The strategic choice is the secured card, as most modern issuers offer a path to “graduate” to an unsecured account with consistent on-time payments.
“Note: This is not financial advice.”