This Kikoff + Cash card is a secured credit card, meaning will be required to fund the linked bank account in order to use it. In the same way as you would use a debit card, the Kikoff Card will not allow you to spend more than what is available in your secured account. This way, you can rest assured that you will not overspend and makes credit building much safer for everybody. The amount you spend each month will be paid at the close of the cycle and an on time payment is reported which accounts for about 35% of your overall score with the bureaus. We do not report utilization rate on the individual account. Last but not least it also reports to all 3 credit reporting agencies!