It is a popular misconception that people who have no other option but to seek a secured credit card must pay high interest rates. This is not the case; there are lenders that will give you a low interest rate on your credit card with the terms that are ideal for you. Paying high fees such as annual fees or maintenance fees actually means that your interest rate will be lower the reason being that the credit card company does not make as much money on the interest therefore they try to get the money back on fees.
Go online and search for the best rates. Even though they may be temporary, they can maybe give you a better credit rating and allow you to apply for a better credit card. This method is not foolproof but it does work a lot of the times and if it does not help you then cancel the card and move to another company. The most important thing you need to do is pay off the balance in full every month. This saves you a great deal of money and will improve your credit rating.