Beginner’s Guide

Credit Cards for beginner with no credit history (2016)

When you first have your SSN with no credit history, you should definitely start building your credit history. Yet, you are probably not qualified for most credit cards with best rewards. But don’t be worry, there are some great rewards cards that are designed for people (especially students) with no credit history. (Note: things changed a lot with credit cards…
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Credit Cards You Can Get Without SSN (2016 Updated)

SSN, the abbreviation for Social Security Number, was originally used for tracking personal tax situations. However, it increasingly seems like the actual “identity card” of a person. When applying for a credit card, we are always required to write down SSN which is used for checking our credit history. Thus, we feel like that there is no credit history without SSN,…
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New Student Special: How to Build Good Relationships with Banks

  If you think only credit scores can decide your successful application for a credit card, you are totally wrong. In fact, your credit scores and credit reports should be considered when you apply for a credit card. Besides, your relationship with banks is also a crucial element during your application process. We have mentioned it in many posts. For…
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New Student Special: When and What a Second Credit Card Should We Apply for ?

It seems that our website has not long updated information of credit cards for new college students. OK, we will introduce more detailed information about credit cards on our Special for New Students. We don’t know whether you have obtained credit cards or not. If you still have no credit cards, we advise you to consider an entry card mentioned…
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What Exactly Is Pre-Approved Offer?

I believe everyone must have received some letters from your mailbox, like “You’re pre-selected to XXX card”, and some of you may be recommended to figure out whether you have received an pre-qualified offer on one bank’s website before applying for a card. Most of us are likely to think that application for a card can be guaranteed with one…
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What is Direct Deposit (DD)

Together with the tide of the $300 sign-up bonus for Discover Checking comes the question: what Direct Deposit (DD) really is. The purpose of this short post is to have the problem solved, which would be divided into two parts: the real Direct Deposit and Edge Ball. I. The Real Direct Deposit Direct Deposit is a deposit of money by a payer directly…
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New Student Special: Boosting Your Credit Score by Paying Correctly

Because a good habit to manage a credit card is so important to improve credit score that we decide to write another post nagging the correct way to increase credit score though you’ve known the general knowledge of credit cards! According to what decides FICO score, we are going to analyze the factors on by one and tell you how…
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New Student Special: Introduction to FICO Credit Score Model

In the previous post we showed the general concepts of credit score and credit history and specifically mentioned that FICO credit score was most authentic important to you. This post is going to figure out how is FICO credit score calculated. The most widely used FICO model is FICO 8 in which the percentages of the credit score are listed blow: 1….
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New Student Special: Brief Introduction to Credit Score and Credit Report

It’s a commonplace but a unavoidable topic. I tried to help you digest the most important concepts through this post. The specific questions about credit score calculation will be answered at the next article! Briefly, it is: Credit Score = Credit Report + Score Calculation Model Credit report is, haha, a snitch recorded by the banker on your credit history….
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New Student Special: Why Should I Use Credit Cards?

Welcome, freshmen! Maybe you always hear people talking about “credit card is devil”… However, that’s not exactly true, if you know how to play this game. As credit card geeks, we want to teach you how to get the most from credit cards. To begin with, this post is to straightforwardly introduce to you why credit card is the best payment method when you…
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