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In the U.S., money flows differently than in many other countries. If you just leave your money in a standard bank account, you are actually losing value every day due to inflation. Think of your bank accounts like a plumbing system. You need the right pipes to make sure the water goes exactly where it belongs without leaking.

In the U.S., your Credit Score is your financial reputation. It is a three-digit number that tells banks, landlords, and even some employers how much they can trust you. For an international student, you start with a blank slate (no score), which can make it hard to rent an apartment or get a phone plan.