(PRBuzz.com) December 28, 2012 -- The credit history maters a lot when it comes to taking loans. For domestic or personal loans that are usually taken for the purpose of buying a car or making a house. People, who have a handsome job, think that they would easily pay back the loans by saving a little off their earnings. They feel pretty satisfied with their financial position. But, this satisfaction lasts for as long as their job remains. The moment they lose or leave their job, it becomes so tough to pay back the loans by living the continued life style at the same time. That is when a Secured Visa Credit Card comes to use.