Q. What kind of credit card -- if any -- am I eligible for with a credit score under 600?

A. You'll probably need a secured credit card. You'll have to give a credit card company an amount of money -- say, $300 -- and that will be your credit limit.

You can charge up to that amount, pay your monthly balance off in full or carry part of the balance over to the next month, just as with a regular card.

We suggest that you charge only what you can afford to pay back the next month. Prompt, in-full payments will help you rebuild your credit score. Once you have established a good payment record, the bank may increase your credit limit and, in time, you'll be able to get a credit card that doesn't require a security deposit.

We can help you find out more about secured credit cards and where to find the best secured credit card.

Our 6 smart moves to improve your credit score will help you navigate the turnaround process.

Having a good credit score will benefit you in many ways. You'll get better interest rates on auto loans, mortgages and insurance. And getting a secured card is a good first step.