meaning you'll have no credit history. "Even if they have a good credit rating in their prior home countries, all newcomers have to build their U.S. credit history back to its previous levels from ...

Some cards are lenient with credit history requirements, meaning you may qualify with no credit history. You do have to be 18 to apply for a credit card and need a steady source of income.

If your entire financial life could be boiled down to one number, it would be your credit score. It's a three-digit figure that represents your history of borrowing and paying back money.

At its core, credit is the ability to borrow money or access goods and services with the understanding that you'll pay later.