Beginner’s Guide

Credit Cards for beginner with no credit history (2017 Updated)

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. Here are the most recommended credit cards for…
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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: 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. Overview The most widely used FICO model is FICO 8 in which the percentages of the credit score are listed blow:…
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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: Which Credit Cards Are Easy to Get Approved As a Newbie? (2017 Updated)

Which credit cards are suitable for newbies with no credit history? This post will briefly tell you how to apply for your first credit card. The first card is difficult to get, because when you just arrive in the US and have no idea about credit card and credit history, it’s hard to accept so much information. But here, I’ll just…
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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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