I agree with the above. Wait til you get a home loan first. I'm in the same boat, I'd actually like a different vehicle, but I have to wait. I, too am worried because we are taking out credit (home depot) etc. to finish house - yet, that is one of our guidelines before refinance to finish home. So, we'll see - not sure if it will hurt or help us, but either way, we need to finish our new home.
For a secured card - I heard Orchard Bank is good. Actually I think that is what I used years ago. Now I have one through our local banks and regular c.cards as well.
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