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Due to one civil judgment years back, my paycheck was garnished and my bank accounts frozen. I ended up quitting my job. Now someone has given me the idea to take out a secured credit card so I can start re-establishing my credit. Secured Credit Card | One Tool to Improve Credit. Credit Letter of Deletion. "Remember that credit is money." 5 years ago while in college I had a judgment filed by a credit card company, What can I do to settle the original amount? Unlike a debit card or a prepaid card, we report secured card payment information to major credit bureaus, providing you the opportunity to build a credit history with responsible use. Missing payments may hurt your credit score. Judgments. Secured Credit Cards have lower interest rates than bad credit, unsecured credit cards: Yes, you can probably still qualify for an unsecured credit card of some sort, even with a bankruptcy. Secured Credit Cards are credit cards for people with bad credit or no credit. 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