Here's what to know if you're considering opening a safe deposit box.

The Credit One Bank Wander Card is ideal if you have fair or average credit (scores 580-669) since most American Airlines cards require a good or excellent score (670+).

Secured debts, like auto loans and mortgages, can't be negotiated. Your credit score could drop by as much as 100 points Companies can charge fees of up to 25% of your enrolled debt.