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secured card for a while. This kind of card lets you put down a deposit in exchange for a credit card with a low line of credit. If you prove yourself, it will be converted to an honest to goodness credit card in 12 to 18 months. Stubbs recommends is the Citi Secured MasterCard you deposit an amount, ranging from $200 to $5,000, and that becomes your line of credit. In the meantime, the cash you deposited is put in a CD, where it will earn a little interest. The card will report to the credit bureaus monthly, meaning you'll start to build a good credit file if you pay on time. The downside is that there is an annual fee of $29.Finally, a note: Whatever card you choose, you want to use it as a jumping off point to build a strong credit score, which means you have to do a few things: Keep your balances low, especially in relation to your credit limit Finally, to avoid interest charges, pay off the card in full each monthRelated: Are You Fiscally Fit?Related: Jean Chatzky Credit Score BuilderNestl star brand risks facing the same dilemma as a pharmaceutical group blockbuster drug. The Swiss company will lose the patent on its precious Nespresso coffee capsules in 2012. By then, it hopes to have developed such a cult for its coffee and boutiques that the patent expiry will make little difference to its continued success as a luxury brand. It an exciting time for both of us because we embarking on a new stage in