I'm looking to build credit (I've been fortunate enough to not have to borrow for school, but that's left me credit-less) and it looks like a secured credit card is the way to go. My other option would be to take out an unsubsidized direct student loan and pay it back but I'm thinking I might actually get some utility out of the card. I'm willing to pay to build credit (hence the student loan idea) since the world kinda (i.e. does) revolve around credit.

So far, I've found BoA, Wells Fargo, Citi and HSBC all have secured cards. Capital One supposedly has one as well but I don't really trust them not to send me shit long enough to put my information in, it seems they're infamous for sending massive amounts of shit.

So my questions:
Does anyone have experience with the above banks? Good or bad, I'd like to have details if possible.
Does anyone know of additional national banks with secured cards? Chase doesn't and I'd prefer to not use one of the too-big-to-fail institutions out of principle but my local bank while providing excellent checking sucks lots of cocks in the loan and credit department. Oh, and if you do, coming with experiences would be appreciated.

I'll probably end up going with the card with the lowest annual rate since I don't really intend to carry a balance ever. I'd like some kind of flexibility with the deposit as well, as in the ability to choose my own. So far I've seen like $200 to relative infinity, the amount you have in the CD or savings account with them is your credit limit, which is fine with me.

Current terms and conditions I've found:
http://www.bankofamerica.com/creditc...0Card&lc=en_US
https://www.wellsfargo.com/credit_cards/secured/terms
http://www.citicards.com/cards/wv/ca...o?screenID=940
https://www.hsbcapply.com/TermsPopup..._HSC843HS.html