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Amateur Member
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嗯，嗯，沒錯，在美國，個人credit history真的很重要（對於正要借房屋貸款的我  ），我也花了好幾年才建立了不錯的個人信用分數。
其實，如果是學生的話，可以到銀行申請學生信用卡，通常信用額只有幾百塊，但是就比較好申請。想當初我也是從兩百塊的額度爬到了現在隨便一張就幾千塊。
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If everything in life were perfect, there would be little to learn. It is through adversity and challenge that we discover who we are.
Every drop of tears fills the needle into my heart that numbs the pain, a pain that never goes away............
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