Sending money to Nicaragua: fees, exchange rate and how to compare
How to send money to Nicaragua paying the minimum: where the hidden cost is, whether to receive córdobas or dollars, and what you need to send.
Guides on credit, cards and remittances
How credit card interest works and how to never pay it
What APR is, what the grace period is, and why a 29% rate can cost you nothing if you do one specific thing.
Does closing a credit card lower your score? Yes, in two ways
Why closing a credit card lowers your score, when closing is still worth it, and the alternative that keeps your account age.
Sending money to Ecuador: why it is easier to compare than other countries
How to send money to Ecuador paying as little as possible: because it uses the dollar there is no exchange margin, only the fee and the delivery method.
Secured Credit Card Deposit: How Much to Put Down and When You Get It Back
How much to deposit on a secured card, whether you lose it, when you get it back, and the question to ask before you sign.
Reporting rent to build credit history: it works, with caveats
How to get your rent and utility payments onto your credit report, what to check before paying for it, and how much it really helps.
How much credit limit you get on your first card
What limit is normal on a first US credit card, what the number depends on, and why a low limit does not hold your score back.
How to cash a check with no bank account without getting fleeced
Every way to cash a check without a US bank account, what each one charges, and which is cheapest.
Credit utilization: the number that raises your score fastest
What credit utilization is, why paying your card in full is not enough, and how to bring it down in a single billing cycle.
Does Being an Authorized User Build Credit? How It Works
What being an authorized user on someone else’s card means, why it can give you years of history at once, and what to check before asking.