Part of rebuilding your credit is proving that you can pay your bills on time. If your bad credit episode left you without any credit cards, you’ll have to open new ones.

Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies.

Send in one application to Orchard Bank, a subsidiary of HSBC, and you’ll be considered for four different cards. Based on your credit, you may be offered one of three unsecured credit cards or a secured card.