I want to buy a single high priced item for myself before the new year and I'd like to know if getting a secured credit card for, say, $1500.00 and then maxing it out to buy this single item will help my credit as I'll pay it off in a few months, or if maxing out the card will actually make my credit worse. I do need a secured card to start repairing my credit but I don't know if this will help it or make it worse.