I once read a story about a person who had no credit but wanted to build a credit. This person was just about to graduate from college and he felt the need to build a credit. He was wonder what could have been done about his situation. For people who want to build their credit history, a secured instant approval credit card is the best option. The reason they are such a good option for people with no credit is that secured credit cards were intended specifically for those people who either have bad credit or do not have credit at all. The way a secured credit card works is simple. A secured card will always report all credit payments to the major credit bureaus in the United States. A secured card will do it on a monthly basis. If you have no problems making your monthly payments on time. Such a card will allow you to build your credit history easily. It will also help you if you know how to keep your expenses within your spending limit. When it comes to credit card offers, there are many of them available on the market. Be careful which offer you choose.