u/InevitableProduce932

Please help me 🙏 I don't know what to do. I've been reading everything on the American credit system which is so incredibly complex and different from the one in my home country. Back there I just had one single bank account with a debit card and that was it 😳

So my husband who's a US citizen knows a lot about finances and has a good credit score. He's got a bunch of credit cards that he's paying off on time and also some other small investments that I don't understand much about and also no debt. He's also saving what he can every single month.

He has never given me access to any of his bank accounts. He has purposely delayed my green card process so that I couldn't work and be completely dependent on him.

He has never allowed, let alone helped me, build a credit history after I became a permanent resident and was able to. I've been a homemaker and he would give me a little cash every now and then.

However, I was still able to secretly open a checking account with a debit card with a bank whose branch was close to where I live. I also opened a PayPal account and requested a physical debit card.

Now I finally got accepted for an on-site job with a company and I've also been doing some online freelancing where I'm getting paid on PayPal.

Please tell me where it would be safer for me to deposit the money from the main job considering that my bank account has very bad interest.

I hear people saying I should put it in a high yield savings account. But I saw that almost none of them have physical branches and I don't know if I can trust them especially in my position, where losing the very little money I have would be a nightmare.

The only bank that I found with high yield and physical branches is one that my husband uses. But then, people told me I should try to avoid the banks and credit card companies that my husband also uses.

Also, please tell me how should I go about PayPal. People say I shouldn't link my debit card to it as it's risky. But then how do I transfer that money from PayPal to my account?

On top of all this, I know I should also start building credit. After all the research I did, I'm thinking of trying the Discover secured credit card. If I do get that one, could I link my PayPal to it so that all the money I make online goes on there?

But then would that even be considered my money if it's on a secured credit card?

I'm very sorry for the novel. I know this is a lot. I'm just terrified and begging anyone who has a little time to spare to help me understand what I have to do 🙏

Please help me 🙏 I don't know what to do. I've been reading everything on the American credit system which is so incredibly complex and different from the one in my home country. Back there I just had one single bank account with a debit card and that was it 😳

So my husband who's a US citizen knows a lot about finances and has a good credit score. He's got a bunch of credit cards that he's paying off on time and also some other small investments that I don't understand much about and also no debt. He's also saving what he can every single month.

He has never given me access to any of his bank accounts. He has purposely delayed my green card process so that I couldn't work and be completely dependent on him.

He has never allowed, let alone helped me, build a credit history after I became a permanent resident and was able to. I've been a homemaker and he would give me a little cash every now and then.

However, I was still able to secretly open a checking account with a debit card with a bank whose branch was close to where I live. I also opened a PayPal account and requested a physical debit card.

Now I finally got accepted for an on-site job with a company and I've also been doing some online freelancing where I'm getting paid on PayPal.

Please tell me where it would be safer for me to deposit the money from the main job considering that my bank account has very bad interest.

I hear people saying I should put it in a high yield savings account. But I saw that almost none of them have physical branches and I don't know if I can trust them especially in my position, where losing the very little money I have would be a nightmare.

The only bank that I found with high yield and physical branches is one that my husband uses. But then, people told me I should try to avoid the banks and credit card companies that my husband also uses.

Also, please tell me how should I go about PayPal. People say I shouldn't link my debit card to it as it's risky. But then how do I transfer that money from PayPal to my account?

On top of all this, I know I should also start building credit. After all the research I did, I'm thinking of trying the Discover secured credit card. If I do get that one, could I link my PayPal to it so that all the money I make online goes on there?

But then would that even be considered my money if it's on a secured credit card?

I'm very sorry for the novel. I know this is a lot. I'm just terrified and begging anyone who has a little time to spare to help me understand what I have to do 🙏

Is it just me or is today quite slow?