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: As of February 2010, you have to be 21 and employed full time 12/18 months. You also need 24 months of activity to get a good score of 660/749. If you meet both categories and have $500 in a savings account, you should be able to convert it into a secured credit card from a bank. Just make sure they report to the credit bureaus and use it for small items and pay the balance the following month.

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