Apply for secured credit with a local bank. Local banks sometimes provide secured credit to most customers who open a savings account. If you successfully obtain a secured credit card, whatever you deposited into savings is how much you can charge on the card. The money is there securely, and if you don't make your payments on the card, the bank will take it out of the savings account.
Open an account with your credit union. About half the nation's credit unions offer secured credit to their members, according to Bankrate.
Pay your fees on time. If you do not pay the fees associated with your secured credit card, the bank or credit union will take it out of your savings, and you will lose your card.