Believing these common credit card myths could drag down your score. Learn the truth and build your credit the smart way.

Unlike a low interest card, 0% APR credit cards offers an introductory period (usually 12 to 20 months) where you won't be charged any interest on new purchases or balance transfers.

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Using your secured credit card responsibly, including keeping your balance low and making on-time payments, will help you build a positive credit history.

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Some issuers offer promotional balance transfer interest rates to entice you to move your credit card balance over from a different card. These promotional rates can be as low as 0%.

Balance transfer credit cards offer low interest rates on debt moved over from another card. These low promotional rates are typically limited to a set period, such as 0% for six months.

CNBC Select analyzed secured credit cards offered by a range of financial institutions to find the best options for building and rebuilding credit.