What is the difference between a secured credit card and an unsecured credit card, and how can secured cards help in credit-building?

• A. Secured cards require a cash deposit; unsecured do not; Secured cards help build credit when on-time payments are reported.
• B. Secured cards have higher limits than unsecured cards.
• C. Unsecured cards are not reported to credit bureaus.
• D. Secured cards require a cash deposit; unsecured do not; Secured cards help build credit when on-time payments are reported.

Answer: (D)