# Beginner Guides
Credit Card Application Talk — Applying Without an SSN
In the U.S., credit cards are practically essential, and if you use them well, the rewards can be substantial. But for students who have just arrived in the U.S.—especially undergr...
One-Month Blog Recap — ymlulu’s Section
Introduction: Although this blog was launched a month ago, a lot of the content had actually been on my mind for quite a while—I’ve wanted to write it down and share it with everyo...
Cash Back and Shopping Portals: A Powerful Way to Save Money Online
In the US, online shopping is extremely common. Major brick-and-mortar retailers such as Walmart, Target, Nordstrom, and Sears all have their own websites for online purchases. Whi...
The Philosophy of Playing with Credit Cards
Within the peach blossom ravine lies the Peach Blossom Hermitage, and within the Peach Blossom Hermitage is the Peach Blossom Immortal. The Peach Blossom Immortal among the flowers...
A Beginner’s Guide to Points Programs
What Is a Points Program? Major banks, airlines, and hotel chains often launch a Rewards Program or Loyalty Program to increase customer stickiness, so that when consumers choose b...
Introduction to Common Credit Cards
Common Credit Card Roundup [collapse title="American Express Credit Cards"] EveryDay Preferred (EDP) — the one and only EveryDay Card (ED) — a backup for MR points Blue Cash Everyd...
Understanding Credit Cards from Scratch
This article highlights several major benefits of credit cards Cash Back and Points on Purchases Most U.S. credit cards offer cash back on spending, which means you earn a little r...