Platinum credit card secured credit card from USAA is a real credit card which isn’t a prepaid or debit credit card, that helps you build or improve your credit score. When you apply, you’ll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.

There are many misconceptions about credit scores out there. Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some apartment living, your credit score it checked.