Welcome to the United States, AND our credit system. Ethnicity and language barriers can certainly complicate the existence in a new country, now add some credit tricks and traps and the first several years can be very uncomfortable indeed. Just like language lessons and education upgrades or equivalences, Financial Health education is just as if not more important than getting your citizenship exam. If you can not understand the terms of credit than do not sign or assign any personal property to any agreements with out a visit to a trusted Financial Health counsellor or Debt Management Specialist.