> I wonder if there is a market for secured credit cards with low interest. Maybe backed by a HELOC or stock portfolio. I would think the overlap between peopl

> I wonder if there is a market for secured credit cards with low interest. Maybe backed by a HELOC or stock portfolio. I would think the overlap between people who need to carry a balance on their credit card and those who have a HELOC (own a property with significant equity) or have a non-trivial stock portfolio, is rather small.