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How is the GO2bank Secured Credit Card different from prepaid or debit cards?

The GO2bank Secured Credit Card can help build your credit history with responsible use over time as we report activity such as on-time payments, late payments, purchases, terms, credit limits, and balances owed every month to the three main credit bureaus.

Complete on-time minimum payments and other good behaviors like keeping your balance low (ideally under 30% of your total credit limit) can help build a positive credit file over time. Conversely, not making your minimum payments on time each month and other negative behaviors like consistently spending to (or over) the credit limit can damage your credit.