How is a secured credit card different from a debit card/prepaid card?

A debit card uses money directly from your bank account when you make a purchase. It works just like cash. A secured credit card is different because it lets you borrow money up to your security deposit amount . You buy things now and pay for them later when you receive your monthly statement. Because you are borrowing money, we report your activity to credit bureaus. This helps you build your credit history, which is something a debit card cannot do. Please note that a credit card may charge interest if you do not pay your full balance by the due date.