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Simply getting a credit card will not help you develop, re-build or re-establish your credit score. Making on-time minimal payments with of lenders and maintaining account balances reduced in accordance with the borrowing limit are key to rebuilding your credit rating. Prepaid debit cards, unlike charge cards, do not supply a line of credit and never affect your credit history. Select secured and unsecured bank cards, and prepaid card offers below – a number of them tend to be fee-based.