TO ALL MINORITIES FROM/IN ENLISTED: TRY TO APPLY FOR THE SECURED CREDIT CARDS, AND PAY THEM OFF COMPLETELY, EVERY TWO WEEKS BY AUTOMATIC BILL PAY FROM YOUR SAVINGS ACCOUNT, SEPARATE FROM YOUR CHECKING ACCOUNT:

http://www.usatoday.com/story/money/personalfinance/2016/08/30/i-tracked-every-carrelated-expense-for-3-years-heres-what-i-learned/89506456/