Beginner’s Guide

Guide to the FICO Credit Score

Introduction A credit score is a three-digit number that represents “creditworthiness,” or the degree of perceived risk a lender is assuming by providing an individual with credit.  A credit score is generated through a statistical analysis of a credit report based on five primary factors, including payment history, amount of outstanding debt owed, length of credit history, types of credit,…
Read more

Guide to Best Credit Cards for Grocery Store Spend

Introduction Whether you live alone or have a growing family, everybody spends money at the grocery store. Credit card issuers know this and in turn offer significant rewards on a variety of different credit cards specifically for spend at grocery stores. Additionally, many grocery stores carry third party gift cards. By purchasing these gift cards with a credit card…
Read more



A Beginner’s Guide To The Credit Card Rewards Game (2019 Update)

If you live in the U.S, using credit cards is both a fun and efficient way to earn rewards while spending money that you would have spent anyway! By spending a little bit of effort learning how to efficiently apply for and use credit cards, it’s very simple to earn a round trip flight to China or other countries. If you adopt…
Read more



Credit Cards You Can Get Without SSN (2018 Update)

SSN, the abbreviation for Social Security Number, was originally used for tracking personal tax situations. However, it has increasingly become the actual “identity card” of a person. An SSN is always asked when applying for a new credit card. Because of this, we often feel there can be no credit history without an SSN, which is a common misunderstanding. In fact,…
Read more

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

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…
Read more

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:…
Read more

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….
Read more