Same same, but different.
With regular or traditional credit cards, a bank is loaning you money (aka your credit limit). You typically will pay interest on what you’ve borrowed. And your limit is decided by looking at your credit score, credit history, and sometimes salary. At the end of the month, you’re expected to pay off the balance owed.
With build credit cards, like Cleo’s, you’re using your own money. The limit is based on how much you add to your security deposit. And there's no interest on the amount you use. At the end of the month, you can either pay off the balance or use your security deposit to cover it.
Both traditional credit cards and build credit cards report payments to the credit bureaus. But because build credit cards hold your money as the security deposit, it’s almost impossible to miss a payment.