If you have poor or fair credit, one of the best strategies to increase your credit score is to obtain a secured credit card. A secured credit card is backed by a cash deposit that you must supply either at the time of submitting your application for line of credit, or when your credit application is approved. Your cash deposit is your credit limit. After 6-18 months of on-time payments, some credit card companies offer an award of a credit limit increase which is unsecured (meaning you do not have to pay any additional deposits to increase your credit limit). To get this discussion forum going, what are some credit card companies that you know of that offers either secured or unsecured line of credit to applicants with no credit, poor credit, or fair credit?