Most people are afraid to use their credit card because there are a lot of risks involved with it. Credit theft can be a big problem to anyone as well as the negative marks on their credit reports and credit history. What they don't know is that secured credit cards are actually convenient to use and it can actually help them increase their credit.

Here's your guide on using a secured credit to improve your credit.

1. The first thing you should do is to search for lenders that are offering secured credit cards. Each card may have its own fees and those fees may vary from one another and the interest rates will differ from each other as well. You have to do some canvassing to get the best rates and prices out in the market. Make sure you choose a card with very low fees and make sure you read and understand all of the terms and conditions before you sign onto anything.

2. If you have already chosen a bank, complete the necessary forms and make sure you have all of the requirements needed by the bank.

3. In order to improve your credit score, make sure you pay off all of your bills at the end of every month. Doing this will keep you from paying extra interest rate fees as well as hurting your credit report.

4. If you have enough money on hand, try to pay more for the deposit for your account. This will also give you positive feedback for your ability to pay for the monthly payments in larger amounts. Just don't forget to be realistic about it. As much as possible, keep your balance on the down low. The less you spend, the less money you'll have to shelf out. Make sure you keep your secured credit card only when you really need it. These cards usually come with very interest rates and getting an unsecured card with a lower interest rate will help you build up your credit faster and easier.

5. Make sure you check your credit score report regularly to make sure that all of the transactions in it is correct and that there are no negative items in it that will affect future transactions. Keep an eye out for fishy transactions to avoid identity theft as well.

Follow these tips to continue on building your credit while using your secured credit. Just be warned that secured cards have some front set up fees that are usually added to your balance before you receive the card. These fees can add to your limit and it can accumulate without you knowing it. That is why it is best to always pay for anything on time as soon as possible. This will help you avoid other fees that unnecessary and this will also help you save more in the long run.