You have the freedom to choose an amount between $30 and $500. If you opt for a higher amount, it can be good for your credit score. When you transfer this money from your Secured Credit Building to your Spendable balance, it keeps your credit usage lower, potentially helping your credit score improve.

But here's a simple rule: Only put in money that you can afford to spare and won't need for regular purchases or unexpected expenses. The most important thing in building your credit is making full, on-time repayments.