The account is secured with the borrower's own money.

FORBES: Card Sharks

The residents might need to start with a store or gas credit card or a "secured" credit card backed by money in a savings account.

WSJ: Getting Going: Managing Your Finances Abroad

Secured credit cards, which typically require a deposit on an account, may help students establish credit while reduce their risk of incurring debt.

WSJ: Cards Return to Campus

He establishes a connection to his account using a user ID and password known only to him, and the connection is secured using standard encryption technology.

ECONOMIST: Fake ID cards