About the Author explores ways in which to buy a car at the best price and interest rate, and offers tips on finding a low cost auto insurance policy. Assistant Professor of Economics at Austin Peay State University in Clarksville, TN, Jerry Plummer says, A secured card is most useful for the person starting out on their credit history, since it says that the person is willing to take the extra step to establish credit. Reestablishing credit. Thus, the customer”s idiosyncratic background largely determines the economic outcome. Whats Out?