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Whatever you deposit would be the crdeit line, for example, if you deposited $300, then your crdeit line would be $300. The deposit isn’t used to pay for what’s purchased on the card, you would still need to either pay in full or make monthly minimum payments. The deposit is used only if the account becomes delinquent and goes to collections. A couple of good things is that you can increase the crdeit limit by adding to the deposit, which can help your score because it creates a much needed cushion between the total debt that’s owed and the available crdeit, and also the deposit is sometimes linked to a savings account which earns interest while you’re building crdeit, so the deposit isn’t just sitting there. A good way to build crdeit with the card is to make small purchases ($20/month max) and pay it off on time every month, while adding to the deposit. 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