Putting your two questions together, you are in a position to get a secured card, but not in a position to have that card pay for the procedure you want. A secured card is where you put a certain amount of money in a savings account with a bank and that money is used as collateral for the credit card (meaning you cannot touch it). Your credit card limit will most likely match the amount you set aside - for example, put $500 in the account, get a card with a $500 limit. Since you do not want to drain your account to pay for the procedure, you don't want a $2,m500 card limit since you are essentially draining your account (yes, you get the money back when you close the account, but you can't touch the money without closing the credit card). You then use the card as you would any card. The best way to use the card is for small purchases you would normally pay cash for, put the cash aside and when the bill comes in, use teh cash to pay off the bill. Do this fir a year and then go back to the bank with a new credit history and apply for an unsecured card (they then close the secured card and return access to your money to you).
Why is this advantageous to just paying case? First, it builds your credit history. A good credit history will help in the future by lowering borrowing costs on loans and mortgages the better your history, the lower interest rate you get (which can save thousands of dollars). Second, when you get the unsecured card, you get a rewards card - use the rewards card the same way (pay off all purchases when you get the bill and avoid finance charges) and basically, the credit card company is giving you free money. Third, a good score can help elsewhere - many stores have promotions where if you use a credit card from that store, you can take an extra amount off - without a good score, you can't get these cards and thus you can't get the deal (I have a Peebles card which at least twice a year if I use it, I get an extra 20% off the sales price - nice deal especially when you are already buying on sale).
Note, a good score can also lower your car insurance (yes, car insurance companies use your credit score to help set rates) or qualify you for certain jobs.
The trick is - always pay off the balance - if you know you will not be able to pay off the balance, then do the math - for example if you need something (say a new suit for the job) and it is on sale for30% off but it will take two months to have the money available, it might be worth it to buy at 30% off and pay 1.5% on the paid balance (saving you say 28%) rather than waiting until you have the money next month and having to pay full price. but remember - this works only for needs, not wants - buying wants this way just stretches out your credit problems.