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Originally Posted by cadre
This is a great thread, I learned alot so far. So do I have the credit card thing right? That being that the secured credit cards basically use an account with a set amount of money as collateral but you can't use the money in the account. Then unsecured credit cards don't have collateral?
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Exactly right
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Is it easier to get approved for a secured credit line and if so, would you suggest going through the same bank that I already do my banking with?
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Yes, it is much, much easier to get approved for a secured credit line - especially a secured credit card. Although I wouldn't recommend blindly signing up for a card simply because that's where you bank, I'd certainly take a look at the term of the cards they offer - providing they are acceptable, it may be the most convenient option. However, if they are going to charge an annual fee, I'd suggest you get a card elsewhere.
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Also, do things like cell phone payments affect your credit score? If so, is it a big deal if I pay mine two or three days after it's posted or does it matter?
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Cell phone payments, utility bills, ect will not effect your credit in any manner except in two exceptions.
1) They pull your credit report (typical when opening an account)
2) You get so delinquent in your payments that you are sent to collections
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Thanks for all your help! 
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No Problem - if you have any more questions, please just let me know!