Page 44 - Credit Builidng Toolkit By Adrean Yancy jr 3

If you have a good income and cash flow, then this may be the credit card for you.
Credit Building Toolkit
You will need to download the Grain app and sync your current debit card and start
enjoying Grain. If approved, you can use your Grain Card anywhere MasterCard is
accepted.

Grain does build credit since it reports to credit bureaus. However, it's designed for
people who can't get traditional credit cards because they have no or low credit
scores. Still, it also can provide an opportunity for those with high income and
decent savings histories to see their score rise over time if they use this card
responsibly. Monthly, Grain reports your credit to the three major bureaus and
helps you to update your credit score monthly. You can find your score on the

Profile tab of the app.

The downside of this card is that it charges 1% for every withdrawal that you make.
Also, there is an interest rate of 12% APR for auto payment and 15.99% APR for

non-auto pay for using the card. You also get charged a late fee. You are either
charged 5% of the minimum balance or $5. Overall, Grain is worth trying especially
if you are struggling because of low credit. Here is the link to again.

Credit Strong -- Building Savings and Credit History

What do you get when you combine a secured consumer installment loan and a
savings account? Credit Strong. A Credit Strong account is the fusion of a secured
consumer installment loan and a savings account. Austin Capital Bank provides a
loan that is secured by your savings account.

Every month you make monthly payments consisting of principal and interest; the

bank uses part of it to cover the costs of providing this service to you; these
payments are credited toward the lock and contribute to paying off more debt with
every payment being made. You do not receive the money on day one; it's instantly
deposited into your bank and locked to secure the funds to repay debts over time.

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