When I first arrived to the US as an international student, I didn’t have any credit history. This made renting an apartment really expensive. My then boyfriend (now husband) and I had to pay two months rent in advance, and also put down a two months security deposit. This also made getting loans impossible without a cosigner. We spent a few years in the USA without any credit cards or loans. But, I knew the importance of building a strong credit history for our future in this country. I also knew I didn’t want to get into any credit card debt. So, I started researching ways we could build our credit history from scratch the smart way. First card I learned about secured and unsecured credit cards. Secured credit cards are cards that are backed by a cash deposit you make to the bank or credit card company. Credit cards

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