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To say I’m diligent about checking my account, especially around paydays, is an understatement.There is no FICO score penalty for having a secured card and some issues do not even report the card as secured."It could give a potential lender pause if they see a secured card on your report—they will know that you're in a rebuilding or establishing situation—but they'll respect that you're doing what you need to do," says Harzog. Check out Harzog's review of the best and worst secured credit cards.Mint, which I use as a budget and spending tracker, normally sends me annoying emails telling me I’m spending too much money on Chipotle.But they typically arrive at the end of the month, when my budget hits its limit — not four days into it.Credit—when used strategically, and paid off each month—can be smart.

Here, Beverly Harzog, credit card expert and author of Assuming you've worked out any personal issues with spending, signing up for a secured credit card is a smart way to build credit.

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