What is the reason why someone would use a secured credit card

A secured credit card is a kind of credit card that is backed by a deposit or payment that functions as a collateral. If the holder of the credit card defaults, the bank will keep that deposit.

These sort of cards are typically issued for customers with an unreliable credit history or for subprime borrowers, as a strategy of the bank to protect itself against default. It can also help that sort of customers to improve their credit histories for future investments.

answer; i do believe that the employee must do the adjusting;

try something like republic or democracy joined or something because its talking about a election party.