bittertruth ji,
tapai ko comment haru padha tapai alik kshamata bhanda balik nai janne hunu huncha jasto lagyo...alikati subject bujhera comment hanne garnu bhayo bhane alik padnne like ni majja aauthiyo hola....

lamopuri bro,
i am posting a link here which may help you understand benefits of secured cards....http://money.usnews.com/money/blogs/my-money/2011/03/31/the-hidden-benefits-of-secured-cards
please google it , thats only link i found but there are hundreds more...