Low Interest Credit Cards

**Welcome to Extra Fun Fridays here at Credit Karma Bootcamp: Your 31-Day Credit Health Plan.**

**Special guest post by Maya Grinberg, host of a weekly tech news podcast called the Girls Out Loud show and a tech blogger for CuteGeek.com.**

Everybody and their mom has an opinion on how you should handle your personal finances. While some people are voracious defenders of credit unions over banks, others advocate putting your money under your mattress.

My opinion, as a young and intelligent (read: geeky) girl, is to let intelligent software tools, like various web and mobile apps, help you best manage your money.

Check out my picks for the top 5 tools you may have heard of but aren’t using yet, and why you should give them a go.

SaveBenjis

SaveBenjis is a quirkily-named, but super useful app. H

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Immigrants still need to create a credit report in the United States despite their present credit report they have established in their country. The reason: the credit laws of over there is different with the credit laws here, in the United States. For this reason, immigrants really have to be classified as ‘people with no credit history’, with an equal footing with the ‘people with bad credit history’. This is not a bad thing for the newcomers who have established good credit history in their previous country, though. But it will take time to build a good one.

The usual question they ask is: how do they start building a credit history?

Industry experts say that if these immigrants have an international bank account, they better get a credit card in that bank. For instance, BarclayCard holders from UK can be connected to BarclayCard in US. The banks are willing to help their customers even if they are miles away. But for

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**Welcome to Top Ten Tuesdays here at Credit Karma Bootcamp: Your 31-Day Credit Health Plan.**

Credit cards seem devilishly designed to get you into more debt and even damage your credit.

In August, Credit Karma reports that the average consumer carried $7,694 in credit card debt. Credit cards are often seen as more of a curse than a blessing for most consumers overloaded with this kind of debt.

But if you adopt these 10 steps to live and use credit by, credit cards can foster good credit-building habits that benefit you, rather than supporting and enabling bad spending habits.

10 Ways To Make The Most Of Your Credit Cards

1. Never charge more on your credit card than you can afford to pay back immediately. Don’t think of your card as available cash you can pay back later, but as money literally debited from your account. <

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If you’re feeling charitable, U.S. Bank wants to commend you. In doing so, the Bank is rewarding its “FlexPerks” cardholders for charitable giving with triple “FlexPoints” for donations cardholders make with their “FlexPerks Travel Rewards” or “FlexPerks Select Rewards” credit card. This gives you triple “FlexPoints” when you make donations to any of more than 25,000 eligible 501 nonprofit organizations. And U.S. Bank puts its money where its mouth is. In 2009, the Bank contributed $20.6 million in grants and employee matching gifts to organizations across the country and over $8.1 million in corporate contributions and nonprofit sponsorships in 2009.

**Welcome to Extra Fun Fridays here at Credit Karma Bootcamp: Your 31-Day Credit Health Plan.**

Congratulations for making it through the first week of Credit Karma’s Bootcamp!

You’ve figured out how to score points on your credit score in 5 minutes with a personal strategy, went on a credit card hunt armed with the 10 Must-Read Credit Card Reviews, uncovered the answers to the three biggest credit score questions, and revived your financial past, present, and future with 3 ways to build or rebuild your credit. We’ve covered a lot of ground, but there’s much credit ground to cover for the rest of October.

Today is Extra Fun Fridays, and we are making serious credit education as easy-going as a word cloud, created with the help of Wordle. It showcases the most-used words on Credit Karma blog, according to size of the word.

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