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Some secured credit cards have many fees. Read on if you're interested in learning about bad credit auto loan refinance. Also, know that the ratings are not based on credit limit or credit score, as these differ per person. These debt consolidation programs tend to have an adverse affect on consumer FICO ratings. Personal and business travel credit cards give out the highest bonus values. When card holders indicate that they are closing an account to avoid paying an annual fee, they might be offered reoprt no-fee version as a way of retaining their business. The OpenSky Visa Secured Credit Card is an inexpensive way to qualify for a secured credit card that reports to all three credit bureaus.