Asking the readers: I’d love to hear from those who’ve created credit histories/scores for themselves in foreign countries (whether that country is the States or elsewhere). It’s so useful to have, but immigrants have to start fresh. Share your experience!

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Even before I received my first credit card earlier this month, I had decided how I was going to use it. Pay for 1 thing (my cell bill) and then pay it off. Wise commentors reminded me to be sure to pay it off after the bill is posted and sent.

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Well, it finally looks like I have a credit history and a credit report. So I decided to test this by applying for a credit card. After looking around a bit, I used the Capital One lab to build a card with no annual fee.
Yesterday, my first credit card arrived in the mail.
Before activating it, [...]

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Credit cards are such a common fixture of society that sometimes we forget what they really are: revolving credit accounts that obligate your future earnings for the sake of immediate gratification. This doesn’t mean that credit cards are horrible and everyone should stay away from them, but it does mean that there is a real potential there for things to get out of control.

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The Discover Motiva card is a brilliant idea for the company, but not one for you. You only get money back if you carry a balance.

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