The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

Conclusion: Don´t give your credit card infos for "free" products!!!

However, my credit is not good and I'm having a difficult time getting anyone to rent to me.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

While you save up work on building up your credit history with a credit card.

Ask for a line of credit.  

Would it be possible for me to qualify for an FHA loan as an 18 year old with no credit history (well I will have a little after i get a credit card). 

I finally understand that credit card payments are exempt from needing to send 1099's.

I do direct booking through the Houfy website, taking credit card payment by Square.