Finance expert discusses unsecured vs. secured credit cards

Published July 21, 2026
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College of Business

Laura Gonzalez, a professor in the Department of Finance at Cal State Long Beach, told WalletHub that while unsecured credit cards for bad credit may seem appealing, consumers are usually better off starting with a secured card because it offers a safer, more effective path to rebuilding credit.

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Laura Gonzalez Alana
Laura Gonzalez