hi@annelisle
i have to shear some type of credit cards.check it
Standard Credit Cards
The most common type of credit card allows you to have a revolving balance up to a certain credit limit. Credit is used up when you make a purchase and made available again once you've made a payment. A finance charge is applied to outstanding balances at the end of each month. Credit cards have a minimum payment that must be paid by a certain due date to avoid late-payment penalties.

Premium Credit Cards
These cards offer incentives and benefits beyond that of a regular credit card. Examples of premium credit cards are Gold and Platinum cards that offer cash back, reward points, travel upgrades, and other rewards to cardholders. Premium cards can have higher fees and usually have minimum income and credit score requirements.
Both standard credit cards and premium credit cards have specific types of credit cards. Student credit cards, zero percent interest cards, and travel cards are just a few types available.

Charge Cards
Charge cards do not have a credit limit. The balance on a charge card must be paid in full at the end of each month. Charge cards typically do not have a finance charge or minimum payment since the balance is to be paid in full. Late payments are subject to a fee, charge restrictions, or card cancellation depending on your card agreement.

Limited Purpose Cards
Limited purpose credit cards can only be used at specific locations. Limited purpose cards are used like credit cards with a minimum payment and finance charge. Store credit cards and gas credit cards are examples of limited purpose credit cards.

Secured Credit Cards
Secured credit cards are an option for those without a credit history or those with blemished credit. Secured cards require a security deposit to be placed on the card. The credit limit on a secured credit card is equal to the amount of the deposit made. Secured credit cards have revolving balances depending on the purchases and payments made.

Prepaid Credit Cards
Prepaid credit cards require the cardholder to load money onto the card before the card can be used. Purchases are withdrawn from the card's balance. The credit limit does not renew until more money is loaded onto the card. Prepaid cards do not have finance charges or minimum payments since the balance is withdrawn from the deposit. Prepaid cards are similar to debit cards, but are not tied to a checking account.

Business Credit Cards
Business credit cards are designed specifically for business use. They provide business owners with an easy method of keeping business and personal transactions separate. There are standard business credit and charge cards available.
http://credit.about.com/od/creditcardbasics/tp/credit-card-types.htm

There are many different types of credit cards to choose from. The are cards that offer rewards programs such as airline rewards, cash back rewards, gas and travel rewards. Some cards have low introductory interest rates and low balance transfer rates. For those people with limited amount of credit, there are cards for people with no or bad credit. There are also prepaid cards, secured cards and cards perfect for most students. Some specialty cards exist such as those for business, instant approval and special platinum cards. Check this site, http://www.yourcreditadvisor.com/card_types/, and click on the appropriate links to see which card is right for you and your situation.

For me, I use a Discover Card, a Visa and a MasterCard, as well as a couple department store cards.

http://s2.hubimg.com/u/362917_f520.jpg

@jasonf went over the two basic types of credit cards, and most popular types. I guess a prepaid credit card could be considered a secure credit card. The only thing is that a secure credit card, in your name and associated with your social security number can help your credit. While a prepaid credit card isn't going to do this.

Cards like American Express, not the Open American Express card, but the regular ones are what is called "charge cards". These usually don't carry limits within reason. You will be required to pay off the entire balance every month. The cards do have an annual fee most of the time, but they can help you control your debt. A charge card does help your credit or lower your credit score based on your payment history. These are very handy for business owners and can help them save a lot on checks -- writing one check verses 100's a month.

There are various categories of credit cards. Unsecured credit cards are those that require no deposit, and are approved based on your credit. Your credit limit will be based on various factors depending on the company. Secured credit cards require a deposit, usually the amount that will be your credit limit. So if you send $100, your credit limit will be that $100. Secured credit cards are good for establishing credit or repairing bad credit, as long as you continue to pay your bills on time.

In terms of using your credit card, do not use the card for purchases if you do not have the cash in the bank. Credit cards should only be used as an alternative to cash, and not to get a loan. You will run into credit trouble if you continue to use credit cards and end up only affording to pay the minimum balance.

There are a number of credit cards that a consumer can choose from. The secured credit card is one where the account holder determines the limit on the account by how much they deposit into the account. This type of card is good for someone who is just starting out in the credit world. The conventional credit card pretty much works the same regardless of the company as the consumer is granted a line of credit based on their credit history. The higher your credit score, the better the deal you will get in regards to interest rate, rewards programs etc.

Beware that there are cards that actually charge an annual fee just for the so-called privilege of carrying their card whether you make purchases on it or not. These kinds of cards are generally geared toward people with a less than stellar credit history. I mostly use MasterCard but I have a Visa as well. My choices were geared toward the limit given, the APR and how often the company reviews my account for potential increases in regards to the credit limit.