Oregonians offers secured credit cards, which function similar to a pre-paid reloadable card. A secured credit card is a card that requires a cash security deposit when you open the account. The deposit you make is equal to your credit limit, so if you deposit $200, you'll have a $200 limit. When you use the card, you'll have a minimum payment due each month (similar to an unsecured credit card). When the account is closed, your initial deposit less any amount owed on the card will be returned to you.