This is basically an unsecured personal loan, like a credit card.

Here's why I waited:Visa Uncertainty: With a temporary visa like an F1 CPT or even an H1B, there’s always a chance that, due to lottery outcomes or policy changes, the path to a green card could be delayed or not happen at all.

They operate like a credit card - when you are not using the money you don’t accumulate interest, when you are using the money you accumulate interest and need to make monthly payments.

That said, a good place to start for many investors is with Lowes/Home Depot credit cards.

@Robert Higdon this is the single only reason I regretted getting the CCH on my CDL instead of a seperate card. 2am in the ghetto at a Quicktrip.

PadSplit is not passive but it has been a mostly positive experience for me.His numbers seem realistic except PadSplit fees are typically 14.75% (not 14.25%)which is a 12% platform fee and a 2.75% stripe fee to allow members to pay their rent w a credit card. 

@Gisell GarciaI use zelle and deposit only cards.

this is old  tried and true method of simply having you pay them to get credit cards .. there is no need to pay for this service.. unless you want to of course.. there is no magic bullet ut there that is going to give you credit and financing unless you actually qualify for it.But zero interest credit cards are used by some to do rehab and then pay them off issue is though your fico score drops like a rock the second you take on all these CC.Also starting out there is zero chance of getting any kind of business line of Credit that is unsecured.

Currently I had borrowed 12.5k to consolidate credit card debt and I can borrow up to 23k. 2) Would it be wise to roll this into my home mortgage so I can get the tax break for the interest and allow for more borrowing power from a credit union?

It is legal as long as you use a convenience check from card #2 for the amount owed on card #1 into your bank account and then write the check from your bank account to pay off card#1.