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Can international (F-1) students / non-resident aliens (H-1B visa holders)...
Absolutely! I applied for my Bank of America BankAmericard secured credit card as an H-1B visa holders, and I wish I had obtained my first credit card when I was an international student at Colgate. By...
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Career is the most critical aspect of personal finance
Recently, I’ve revisited my financial decisions since I graduated from college in the fall of 2011. You know what I found? Having a permanent, decent-paying job actually contributes the most to my...
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Today’s feature: Bank of America BankAmericard secured credit card review
In the credit card universe, Bank of America is perhaps the most underrated. Despite being the 3rd largest credit card issuer in the United States of America, and bearing a really cool name, they are...
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The ideal number of credit cards: why/when more is better
When I started my credit journey in January 2012, all I wanted at the time was the first card, and I stayed with one card for the next 9 months until I learned that there were better cards in the...
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Amex tripled my credit limit!
9 months ago, in November 2012, I was very excited to become an American Express Card Member! http://hiepsfinance.com/2012/11/18/i-got-amex/ . I was approved for an Amex Gold Delta Skymiles credit card...
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Today’s feature: MyFICO Score Watch product review
I wrote in “Personal Finance 201: Credit scores” about how FICO scores are almost the only credit scores that matter. Most large financial institutions such as Bank of America, American Express,...
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Why paying off your loan is bad for your credit
Recently, a friend of mine asked me if he should pay off his auto loan he had acquired years ago. While the interest rate on the loan is very low, less than 3%, he wanted to be free of debt and felt...
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Richard’s quest for 800 FICO credit score
After achieving a 760 FICO credit score, I thought the next milestone would be 800. Since there are multiple FICO scoring models that lenders use, an 800 FICO would almost guarantee me at least a 760...
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How to save your credit in bankruptcy
Today, after watching some NFL games, I suddenly became curious about bankruptcy, so I did a quick google search and the first figure I found was astonishing. According to official records, in 2013...
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