If your credit is much less than perfect, however you’re looking to rebuild your financial livelihood, then a pre-approved deposit card may also be right for you. Unlike standard credit cards, which require an substantial application and deposit check, pre-approved, starter savings cards are accessible to these with no or limited credit. Though these cards in many instances carry excessive APRs and now and again require annual costs and/or protection deposits, they can be a helpful choice for these hoping to rebuild their credit.