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Membership to male members is closed from time to time in order to ensure the balance of female members is adequately proportioned.

After all, credit scores impact everything from mortgages to car loans to insurance rates.

You just load dollars directly onto the card and then use that balance for purchases. without a checking account, prepaid cards offer the ease of card-based purchases without the hassles of dealing with a bank.

When the balance on the card dips too low, you reload more money. You can use prepaid cards to book a hotel room or rent a car.

"Most individuals moving to a new country start a credit history through the traditional means," says Norm Magnuson, a spokesman for the Consumer Data Industry Association, an international trade association for credit reporting agencies based in Washington, D. "They may get a charge card from a bank or lending institution in that country or apply for a card from a retailer and continue to build their credit there." While it's not impossible that a foreign lender would request a copy of a U.

S.-based credit report, it's unlikely, Magnuson says.