Patrick Beckman

Patrick Beckman is the Contributing Finance Editor for RAVE Reviews. Leveraging his educational training in engineering, Patrick has developed his own consumer finance strategies for household saving and credit card optimization. A centerpiece of his approach is his Travel-for-Free philosophy: Decide where you want to travel and what you want to do, and then reverse-engineer your credit card sign-ups and bonuses in order to travel to and stay in your destination of choice for free.
Secured Credit Card

What Is A Secured Credit Card?

If you're just getting started on your credit journey, or have some credit problems in your past, you may be seeing a lot about secured credit cards. Are they a good option?