Moving Expenses Remember all the costs

December 24th, 2014 by admin

When it comes to moving or relocating, there are many things to consider when it comes to the cost. Moving can be a very stressful event to endure and many people have to do it every few years. Here are a few of the items to consider and plan for before you move.

You will inevitably need boxes and there is no need to buy any. (Besides where do you buy boxes?) Go to your local grocery store to find out when their shipment comes in and ask if they can save some boxes for you. Most will be happy to oblige, since they usually recycle them anyway. It’s easier for you if they break down the boxes and then you re-tape them when you are ready to use them. If the store has a liquor department ask for wine boxes, as they are great for packing glassware.

If you are renting an apartment or house, or if you are trying to sell your house, you will need to do some extensive cleaning. You can do it yourself and rent a carpet cleaner and/or floor buffer. It is still best to try and do this all yourself because it will save you some money, but will take up time. Many rentals will clean the carpets after you leave anyway so you may want to ask, or it may be required to get your security deposit back.

The time leading up to the move to the time you get settled in and unpacked can leave you little time to prepare meals. You will probably be spending more money on fast food and take out. So adjust your food budget accordingly. You may not want to buy a lot of food at the grocery store, and try to clean up all your leftovers so that you don’t have to throw them out and waste food.

Most of you have learned that the most inexpensive way to move is to call up a friend with a truck and a couple of burley buddies to move the heavy stuff. There are definitely some pros and cons to this age-old moving maneuver. It will definitely save you money, with the cost maybe being a couple pizzas and a cold twelve-pack.

But it’s hard to convince friends to help you move across state or even across country. So the buddy moving company is only efficient if moving across town. They’re also not professionals, which can lead to nicks and damaged items and it may be hard to get reimbursed when they are the ones doing you a favor.

You may just rent a truck and do everything else on your own. There are some costs and concerns that come with renting a moving truck. There is the base cost of the truck and there may be additional charges for the amount of mileage put onto the truck. Make sure you have good directions to your destination to avoid unnecessary mileage. You may need to purchase insurance for the truck.

You also will need to consider the amount of gas you will use. If you are moving a great distance, this can be a significant amount of money. Moving trucks have huge tanks and are not really known for their great gas mileage. Make sure to inspect and note any previous damage to the truck so you are not held accountable for them. If you choose to hire a professional moving company there are things that you will want to find out.

Research and compare prices for different moving companies. Many companies charge in different ways. They can charge by the hour, distance, amount to move, or any combination. It’s important to ask what the charges are and if there is a minimum charge. Some moving companies will come in and package all of your stuff with their own packaging supplies.

It is important to discuss all possible charges with the moving company before you hire them. You don’t want to be shocked when you get the bill because there were items you did not account for. You can negotiate the contract to make you feel more comfortable. Make sure you talk about damage responsibilities for furniture and damage done to your previous home and the home you are moving into. It is a good idea to research the moving company through the Better Business Bureau to check on their customer satisfaction rating. This will also help you avoid any moving business scam artists. There are companies that load up all of your goods and will hold your furniture hostage until you agree to pay more.

Since professional movers work in the service industry, gratuity is not expected but if you are pleased by the job of your movers, than you should feel free to tip accordingly.

If you know that you will be moving soon, start saving now to account for some of the extra expenses. It will make the transition a little easier if you don’t have to worry about draining your bank account.

Pioneer Credit Counseling is a bonded, non-profit credit counseling agency offering debt management programs, financial counseling, bankruptcy counseling and housing counseling nationwide. Call our friendly counselors today at 800-888-1596 or visit

Our accredited credit counselors will help you take control of your financial life and get out of debt faster than you can on your own. We offer a debt management program that will stop the collections calls, lower your monthly payment and provide you peace of mind. Our pre and post bankruptcy counselors provide an easy process for you so you can focus on rebuilding your financial being.

It is our policy at Pioneer Credit Counseling not only to help people get out of debt, but also educate in sound budgeting practices.

Lower Your Expenses and make Your House Protected With Specialist Appliance Repair San Antonio TX

November 12th, 2014 by admin

Kitchen appliances obtained be a part of each day regime. We use different kinds of these kitchen appliances to generate our job much simpler. From your simple flag to hovering an aero airliner almost everything are appliance concentrated 1. Persons say that they store inhale for occasionally, but are not able to have their persistence if their devices all of the sudden are amiss. So, you have to use the solutions given by different professional appliance problems staff to mend their home appliances. Any time a refrigerator, fridge freezer, or any other system at your residence reduces, it’s important to call an Appliance Repair San Antonio TX to have the unit predetermined to help keep your family working as always. Bankruptcy lawyer las vegas refrigerator or maybe your fridge freezer prevents managing, you risk possessing pampered meal in the home, which can throw away cash. Not surprisingly, you will get issues setting up wholesome food items in your family simply because you will be unable to acquire foods whilst keeping it fresh new. You’re exploring store each day or buying ready made meals to give your household. Which has a refrigerator or a refrigerator that will not efforts are very inconvenient.

One of the best reasons for having the Appliance Repair San Antonio TX is the belief that they’ve ample variety of skills in the plagued spot. They could be completely familiarized because of their job and regardless how complicated or little the problem, they will often are able to give you a highly effective response. Whenever an appliance breaks down in the home, these represent the persons which you should call. There are lots of associated with an man or women however who feel that trying to find the help of the appliance restoration products and services is whole wastefulness of your hard earned money. That is definitely significantly throughout the truth. Because of their technique with this operate, they are equipped to ascertain the cause the condition that is certainly ailing the gizmo and move forward while using the suited repair chores. They’ve also been beautiful with hugely formulated technology gear through the help of that they ensure that the employment is finished perfectly.

Pretty much all of us appreciates the trouble that occurs in the event the model fights out of the blue or even a kitchen’s appliance all of a sudden in time breaks down. A high level home-owner and are struggling with problems with your equipment, skilled Appliance Repair San Antonio TX are the best brand out there. When you are looking for getting professional services for fixing equipment, you have to assure retain the services of greatly expert and professional technicians. The appliance repair specialists are comfortable with the working of your home appliances and therefore are committed to providing effective repair expert services. An Appliance Repair San Antonio TX contains the expertise in this field and it’s well trained at his employment. However small or big the trouble, they might continually provide you with a remedy. As a consequence of their experience and data, they can identify the cause of your issue and try while using repair perform as a result. They can be effectively furnished with superior know-how gear and that is how you can ensure that the career is done well and therefore the challenge will not be recurrent in the near future.

The Appliance Repair San Antonio TX Gurus possess plenty of experience in addition to instruction regarding this precise make a difference. As a result of their understanding, no matter how large or very small the difficulty, it really is set up in the simple method. They might recognise the cause on the problems and make the purchase anyway with all the solutions correctly. Their sophisticated modern tools devices enable them to do an adequate job additionally they ensure that the circumstance is not going to materialize once more before long.

The equipment give very best comfort for fast paced modern-day lifestyle. Will you visualize operating 9 to 5 after which it ahead dwelling %26 bathe your clothes by hand and preparing an evening meal immediately after stoking lumber burning oven? Thank goodness, equipment of today save a long time by developing each day work basic and more rapidly. Having said that, in the event, you will be encountering any effectiveness troubles with the model and garbage disposal, microwave, then these appliances will supplement your everyday more manual workload in preference to credit the give. Just in case, which is a situation, then you’ve got to get in touch with the specialized Appliance Repair San Antonio TX. Currently being the qualified workmen, specialists will let you eliminate numerous difficulties with any household appliance.

It is possible to bet your bottom part greenback any time you telephone the Appliance Repair San Antonio TX or Refrigerator Repair San Antonio TX that a appliance whether new or ancient, name brand just like General electric, Sears , Kenmore or whatevername model or discount brand A will usually deliver the results and conduct its projects superior to new before or even the repair person. It’s actually a truism of existence in addition to residence and property property. Straightforward as that and you can count on it

If you loved this article and you would like to receive more info on Appliance Repair San Antonio TX, kindly visit us, Appliance Repair San Antonio TX

The Best Bad Credit Loans and Personal Expenses

November 9th, 2014 by admin

The best bad credit loans can offer or provide an opportunity for subprime borrowers with poor credit scores to get cash out, fix their interest rate or take out a second mortgage and consolidate debt. A bad credit personal loan is like any other personal loan that one might have availed of in the past. The only difference is that it is for those people who have a bad credit, or in simpler terms, people with a bad ‘credit history’. There are numerous lenders who are ready to give a personal loan if one has a bad credit history.

Bad credit can result in a negative rating from the credit reporting agencies. Many factors can contribute to someone getting a ‘bad credit’ rating; among these are non-payment of an account or late payments over an extended length of time.

Whether non-payment of an account is willful or due to financial hardship, the result can be the same, a negative rating which will result in a low credit score. However, lenders are more willing to work with individuals if the person contacts the lender to let them know they are having problems meeting their commitment to pay. The best bad credit loans are sometimes difficult to find for many reasons.

Unfortunately, many people have a hard time facing the reality of their current financial situation and they foolishly think they can go it alone. Fortunately, today’s credit markets have geared many of their programs for people just like you and they are more than happy to assist you with your financial woes by doing anything and everything possible to assist you in securing that much needed mortgage refinance to get you back to financial solvency.

Raising your credit score is possible. It’s a well-known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score falls under 620 just getting loans and credit cards with reasonable terms is difficult.

However, if one has a very bad and unimpressive record in the past, he may be refused but that happens in only exceptional cases and surely, he can get his loan from some other lender. Rate of interests in personal loans and bad credit may be high at times because they are being given to someone with a bad credit. That is the only disadvantage of otherwise a life-saving loan for many.

For more info on personal loans and bad credit visit the best bad credit loans page online.

Bad Credit Loans to Pay for College Expenses

August 27th, 2014 by admin

College life can be really expensive, there are not only college related costs but also everyday expenses that add up to the overall spending. You may have requested a student loan in order to pay for college, but most of the time, the money provided is not enough and in order to continue attending you need other finance sources. If your credit is far from good, that’s when bad credit loans come in handy.

For those who work part time or do not work at all, making ends meet can be very difficult. Sometimes parents help, but that’s not the case always and you cannot always rely on them. Bad Credit makes it difficult to get finance from traditional sources and that’s why bad credit loans have become so popular.

Different Options

Either for parents or for college students, there are bad credit loans of different types. For parents, the best loan options are bad credit secured loans. These loans, usually home equity loans, carry low interest rates and long repayment programs so parents do not have to spend a considerable sum altogether.

For college students, who do not have properties to use as collateral, there are bad credit unsecured loans that can be qualified for easily regardless of the applicant’s credit score. The amounts are lower and the repayment programs shorter but they help to go trough the month and provide enough time to solve your financial difficulties.

Interest Rate

The interest rate charged for bad credit loans is generally high compared to other loan types, with the exception perhaps of cash advance loans. The high interest rate is directly connected to the high risk involved in the financial transaction. However, secured bad credit loans have just a slightly higher interest rate.

This is due to the fact that secured loans are guaranteed with an asset and thus, the risk for the lender is significantly lower. Thus, when parents decide to finance their sons and daughters’ college studies, bad credit home equity loans should be considered as the first option since they provide the lowest rates and the best terms.

Where To Find A Lender

When traditional lenders are not an option due to bad credit, another problem rises. Compared to traditional lenders, bad credit loan lenders are not so easily found. Moreover, there are many who take advantage of the needs of those with bad credit and carry out schemes to get people’s money.

If you want to locate a lender, the best source for bad credit loan lenders is the internet. By doing a search for bad credit loans you will find many lenders dealing with bad credit loans and no credit loans. Just make sure that you are dealing with legitimate lenders. You can request loan quotes from them and compare prices and rates. Once you have selected the best offer, you just need to fill their online application and wait to be contacted by them. In order to avoid scams you should always use payment methods that can provide customer protection: Credit Cards, Debit from Bank Account, etc.

Melissa Kellett is an expert loan consultant who has worked for twenty years in the financial industry and helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and many other types of loans and financial products. If you want to learn more about Unsecured Personal Loans and Fresh Start Loans you can visit her site

6 expenses you should never put on a credit card

August 8th, 2014 by admin

There are some things experts say you should never put on a credit card if you can’t pay the bill right away — either because they’re frivolous, or they can land you deep in debt or, in some cases, because there’s a better alternative.

If you have plenty of money in your bank account, it can make sense to put just about any big purchase on your credit card because of the rewards , convenience and consumer protections that come with plastic. When you’re broke, though, it’s one thing to use your card for an emergency. It’s quite another, however, to splurge on a mommy makeover, an island vacation or a diamond engagement ring .

Here are six credit card purchases experts say cash-strapped consumers should avoid at all costs.

1. A big tax bill. A tax bill from the IRS could make a nervous taxpayer reach for a credit card. But don’t do it. ‘Federal income tax is right at the top of the list of things not to pay with a credit card,’ says David Jones, president of the Association of Independent Consumer Credit Counseling Agencies . ‘When people get in this type of situation, it’s usually a fairly large tax bill, and it can be difficult to pay off those credit cards.’ In addition, you’ll pay a processing fee that could be 2 percent or more of the total amount you pay by credit card.

The alternative: The IRS will set up a payment plan at a much lower interest rate than a credit card offers, experts say. ‘It’s amazing, but the IRS actually charges less interest than anybody else. It’s very low now, less than 5 percent,’ Jones says.

2. A gambling spree. Entrepreneur Rod Ebrahimi, who is developing an online financial application called ReadyforZero to help consumers pay down debt, says he has a friend who recently gambled away more than $3,000 taken from a credit card cash advance . ‘If you’re sitting at a table in Vegas, they make it really easy to pull cash with your plastic. They’ll process it for you, bring you some nice chips and you can keep on gambling,’ Ebrahimi says. ‘And a lot of people don’t understand APRs for cash advances are much higher — upward of 30 percent.’

The alternative: If you have a gambling problem, seek counseling or other help, recommends Jones, who recently helped a client who had racked up $113,000 in credit card debt playing online poker . If gambling is more of a hobby, Ebrahimi recommends steering clear of casinos when you’re short on cash — or playing poker online without betting money.

3. College tuition. Experts say it’s not smart to finance college tuition on credit cards. ‘College tuition can be a very significant expense,’ Jones says, noting that charging tuition on credit cards might make sense only if you know you’ll be able to pay it off in full within three months. ameeto

The alternative: Experts recommend putting all options on the table. That includes grants, scholarships, low-interest student loans, a part-time job, attending community college for a few years or attending a less-expensive university. ‘It’s a good idea to meet with a credit counselor to get some help understanding all of your options,’ Jones says. ‘Student loans can be a very good option, but you need to make a plan to repay them. Some people get into a huge amount of debt with student loans.’

4. Plastic surgery. Reality shows such as ‘Extreme Makeover’ make it seem routine to get nips, tucks and D-cups, but pulling out plastic to pay for it is a bad idea, experts say. ‘Most of it is vanity stuff, and charging that is crazy,’ Jones says. Carrie Coghill, a personal finance author and director of consumer education for, says she increasingly sees consumers being swayed by medical spa sales pitches to charge seemingly less expensive procedures such as Botox injections and laser treatments. ‘It might cost $1,500 each time, but those things can really add up — people get grabbed in, and it never ends,’ Coghill says. She cautions consumers to read the fine print on offers for medical credit cards, such as CareCredit, that offer a zero percent introductory rate. ‘The day you make a payment late, they typically will go back and charge you interest from day one,’ Coghill says.

The alternative: As with any luxury purchase, consumers should either save up for it — or skip it, experts say.

5. A lavish wedding. One consumer who turned to Ebrahimi for help got into trouble by charging up $50,000 in credit card debt — much of it on a big wedding followed by a honeymoon in Barcelona. ‘I think a lot of times people get caught up in the event and spend more than anticipated. It’s very common to blow your budget,’ says Clarky Davis, a financial counselor who runs Statistics show finances can cause tension between couples , so starting off married life by running up debt is a bad idea, Davis says. ‘When you come home from the honeymoon and have to face a monster credit card bill, it can cause a lot of stress,’ Davis says. ‘You can’t focus on where you are right now because you’re still paying off the past.’

The alternative: Most experts recommend scaling back and focusing on meaningful, rather than material, aspects of the wedding. ‘The people you love could care less if there’s an open bar or you’re wearing a $5,000 dress,’ Davis says. ‘Stay within your means.’

6. A trip for two. It’s a bad idea to finance a vacation with plastic, experts say, and that goes double for paying someone else’s tab, too. Monica Lichi, a nonprofit manager in Ohio, spent years paying off a Hawaiian cruise she took with an ex. ‘Neither of us had the money, so I said, ‘Oh, I’ll just put it on my credit card,” Lichi recalls. After living it up on the trip — they island-hopped, went ziplining and sipped fruity cocktails — Lichi returned home to a huge bill. ‘The inconvenient part comes when you break up and they don’t pay you back,’ says Lichi, who is using the online service to pay down her five-figure credit card debt.

The alternative: Well in advance, start making a monthly payment into a bank account — the reverse of what you’d do if you paid with a card, Coghill recommends. ‘It feels so much better to pay in cash and not come back from vacation with a credit card hangover,’ she says. If you’re going with a friend, an online service such as can allow you to pool money in advance and pay expenses with a shared debit card rather than your credit card.

So, how do you stay sane with your credit cards? Experts recommend taking your time and avoiding impulsiveness, especially when money is tight. ‘If you’re thinking about putting a vacation on a credit card, or even a pair of shoes, you should walk away, think about it and come back later,’ Coghill says. ‘If you’re charging anything over $1,000, you really should be asking yourself, ‘What am I doing?”

Abhimanyu Sharma

city:- Jaipur

Address:- D-69 A siwar area,bapu nagar,paras marg

Saying you to do join AMEETO

Prepaid Credit Cards Control your expenses

February 24th, 2014 by admin

Some people do not use credit cards wisely. As a result, they found themselves in debt trap. But according to current scenario, you can not expect your life without credit cards. After doing a proper research, banks and lenders have introduced prepaid credit cards. This plastic money is especially designed for adverse credit borrowers, college students, and poor credit holders. It is a valuable tool for parents of teenagers; parents do not need to worry about the extra expenses because teenagers can only spend up to particular extent. Credit limit depends on the how much money is placed in the saving account.

It is really helpful because you can not use these cards, if money is not there. The biggest advantage of the plastic money is that you do not need to worry about late fees or extra charges. Lenders deduct the amount from saving account on the spot, as you place the order for shopping. But lenders do charge some money for the services like annual fees, activation fees, cash withdrawal fees etc. These charges are too small and any one can easily afford it. Lenders do offer many offer with this card like reward system, point system etc.

These prepaid credit cards are very much similar like regular cards and acceptable world wide. These card can not affect your credit history too because you do not take credit. Individual uses his/her money only. Instead of carrying cash in pocket, plastic money is such a nice option. Even people can withdrawal cash from any ATM machine world wide without paying a single penny as an interest. According to experts, you should complete your homework before finding the prepaid cards because there are many finance companies who earn money through plastic money.

Borton Stevens is an expert author and has more then 7 years of experience in writing finance related topics. To know more about Prepaid Credit Cards Visit:

getting my first credit card?

i am a 20 year old college student and am looking at getting a credit card, so i can start my credit history. just last week i was looking at buying a car and was looking at taking a loan out. i learned that you need some sort of credit history to do this. tell me what my best bet is when it comes to getting my first credit card. any kind of tip or direction would be greatly appreciated!! thanks so much!

Posters #1 both had some good ideas, about how to establish credit, but I’d like to throw my 2 cents in if I could.

Establishing credit is more than just getting a credit card, charging on it and paying it back every month. It would help to know the basic formula on what factors are involved in building credit

35% Payment history- This determines whether you pay on time or not

30% Total debt owed vs. Available credit- This determines whether or not you rely a lot on your credit. Maxing your credit card(s) out or close to it is NOT the way to do it. You should be at around 30% of your combined available credit on all your credit card(s)

15% Length of time establishing credit. This determines how long you’ve been using credit cards, or have had a car note, or financing furniture or appliances, etc. If you’re just starting out, an easy way to fix this would be to ask a close friend or family member with excellent credit to add you as an authroized user on one of their oldest credit cards in good standing. Ideally, the account should be older than 5 years with a perfect payment history, and a balance around 30% or less of the available credit. Plus, a high limit wouldn’t hurt either. Once added the activity from that account would reflect on your report creating an instant credit history for you

10% Types of credit established- There are 2 basic types of credit, revolving(credit cards and line of credit) and installment(student loans, personal loans, car notes, mortgages) 2 major credit cards, one department store credit cards and a combination of 2 installment loans makes for a good mix of credit.

10% Inquiries and New Credit Established vs. Accounts already established- This determines whether or not you’re applying for uneccessary credit and the number of new accounts that you recently opened versus accounts that have been opened at least a year. Each time you formally apply for credit, it creates an inquiry which lasts for two years that can drop your score several points, so it’s important to pick and choose your accounts wisely.

Hopefully after explaining this you have a better idea of how about to establish credit. You have a few options to get a credit card. You could:

1. Get a secured credit card. Where you do your banking may offer them. Orchard Bank, Bank of America, and Wells Fargo also offer secured cards as well. The easiest way to describe a secured card would be building credit with a savings account, becuase theoretically that’s exactly what it is. You put a security deposit upfront that’s usually linked to a savings account to get the same amount in a line of credit. The deposit gains interest while it’s in there just like a normal savings account and you can increase your credit line by simply adding to the deposit periodically. As long as you pay on time and keep the balance manageable (remember that 30%) usually after a year the deposit isn’t required anymore and the card either converts to a regular one or an offer is extended for a better card.

2. Since you’re a student, some credit card companies will post up on campus and recruit potential cardholders. That’s how they got me, lol. Citi has good student cards, I posted links to them as well as some secured cards as well.

Either way, when you get a card make sure that you can charge only what you know you can pay. That way, you’re not in over your head.

Oh before I forget there’s another thing you can do to build credit is if you pay rent, utilities, cellular, insurance or other monthly bills that may or may not show on your regular credit reports is to report them with PRBC to build alternative credit. The website, which I also posted a link to as well will explain in detail how this works.

I hope that my information works for you

Good Luck!

Get Student Credit Cards for Extra College Expenses

May 26th, 2011 by admin

There have been lately offers for students that feature specially designed credit card packaged for college students. These credit cards offer a combination of financing, flexibility, security and control so student can feel comfortable about managing their finances and at the same time obtaining the benefits that credit cards provide.

With student credit cards you will be able to afford extra college expenses that are not directly related to the studies but have incidence on college life, like purchasing groceries, paying for college material (books, electronic equipment, etc.) and many other expenses that can not be faced with regular student loans due to the fact that they do not fall on the college expenses category.

Student Credit Cards Explained

Student credit cards are specially designed for students. There are secured credit cards which can provide some control over the expenses and prevent debt accumulation because the credit card holder needs to make a deposit into an associated account and only then he can use the credit card up to the deposit’s limit. The deposit works just like a guarantee of repayment.

Unsecured credit cards are also available however and provide different benefits for students. Credit limits may be lower than regular credit cards, but they provide promotional interest rates and other advantages like agreements with certain stores where most students purchase goods and services.

Financing And Flexibility

These credit cards are specially made to meet student needs that due to the type of expenses that college implies need financing and flexibility. There are certain months where book and studying material purchases will raise expenses, others where entertainment and vacations raise expenses and other months where expenses are reduced and remain on a normal level. Without financing there would be a lot of discipline and saving capacity needed to cope with this situation.

Instead, student credit cards will provide you with the ability to purchase anything you need and distribute payments along the year in an even way so as to avoid compromising your income too much. These cards also allow parents to exercise some control and review over their children financial and credit behavior.

Security And Control

Both for students and their parents, credit cards provide a fantastic tool to control the expenses so as to analyze credit and financial problems that college life may imply. Also they provide security in case of accidents or unexpected expenses as they provide financing when cash is not available. Thus, student credit cards are a must for college life and if used correctly they will not imply costs to the student or his parents.

Nevertheless, when applying for a student credit card, you should not go for the first offer you receive as there are many financial institutions competing in the credit card market and offering different credit card products with varied benefits. Just do a quick search on the net for different credit cards and compare what the credit card issuers have to offer you. Only apply once you have decided which offer best suits your needs because by doing so you will make sure to get the most out of your student credit card.

Devora Witts is a certified loan consultant with several years of experience in the credit area who instructs people regarding credit recovery and approval for personal loans, home loans, consolidation loans, car loans, student loans, unsecured loans and many other types of loans. If you want to understand Bad Credit Personal Loans and Student Debt Consolidation thoroughly you can visit her site If the link doesn’t work, just copy and paste in your browser’s address bar.

Which credit cards can an international student apply for in the U.S.?

It seems that building up credit is extremely important in the U.S., but as an international student this is very difficult. I am looking for a credit-building credit card, but nearly all student credit cards that I have come across require the applicant to be a U.S. resident, which I am not. I do, however, have a social security number.

check these links, then decide what you want to do, see the FAQ on the first link down but really there’s plenty of advice throughout if you have time to read:

good luck!
if it helps please remember me cheers