Fluid Credit Visits Third Largest College In Orange County

Wake up and smell the coffee! Fluid Credit will be on campus tomorrow to talk to 25,000 students at Orange Coast College. Orange Coast College is the Orange County’s third largest college located in Costa Mesa, California.

Orange Coast College is founded in 1947 (70 years ago) and enrolls over 16,000 undergraduate students with a student body of 25,000. 97% of Orange Coast College is from California and the other 3% is from out of state. Almost a third of students are part time. Orange Coast College is one of the highest 2-year to 4-year transfer schools. Most of the students transfer to a UC (Universtiy of California) school after staying at Orange Coast College for 2 years.

One of the notable and the late lead singer of Stone Temple Pilot, Scott Weiland is a graduate of Orange Coast College. Stone Temple Pilot was originally known as Stone Temple Pirates. Do you think it has something to do with Pete The Pirate, Orange Coast College’s mascot?!

We look forward to an awesome event tomorrow. More photos to come. Don’t forget to download our latest iOS app and start building your financial credit while getting an awesome education at Orange Coast College.

Team Fluid

Fluid Employees Donate to Flood Victims of Hurricane Harvey – #TexasStrong

By on September 1, 2017 in Fluid Credit

Fluid, a FinTech startup helping 22 million university students is lending a hand today to help the victims of Hurricane Harvey. The employees of Fluid based in Southern California has made a donation with WeWork.

We encourage our FinTech friends to make a contribution through CrowdRise.com. With WeWork and Hurricane Harvey Relief Fund established by Houston Mayor Sylvester Turner. WeWork will match donations up to $100,000

The employees of Fluid came together this week to donate to the flood victims. Fluid is matching every employee donation dollar for dollar. And with the help of WeWork, we are making our donation work even harder with their donation matching campaign on CrowdRise.com. We help a ton of students in Texas to build their credit but with this natural disaster.

Our students at University of Houston – Downtown and the University of Texas at Austin have all been impacted by this devasting storm. Our hearts and our prayers go out to the friend, family, colleagues and especially our students impacted by this disaster. We hope our students start their Fall 2017 semester soon.

With love

Team Fluid

#TexasStrong

Fluid Kicks Off US Campus Tour at Saddleback College – Mission Viejo, CA

officially kicks off Fall 2017 Campus Tour at Saddleback College located right next to our corporate office in Mission Viejo, California. Fluid’s President and COO Nicole Houston, Chief Compliance Officer, Alexandria Degree, Consumer Advocate Anthony Jones and Sabrina Sun represented Fluid to hundreds of students attended the Saddleback College on-campus event.

We educated a few hundred students on the importance of personal credit and Fluid’s unique credit product designed to build credit for students and most of all provided hours of entertainment with our raffles and games.

Over 100 students downloaded our app from the iTunes store on August 23rd, 2017. Our campus tour continues at Orange Coast College on Sept 5th, 2017 and Golden West College Sept 7th, 2017. We are gearing up to educate more students in the coming weeks about personal credit, the pros and cons of using credit cards, hidden fees with other debit card and secured card products. Fluid Credit would like to thank all of the organizers, staff, professors, and students at Saddleback College for hosting us! We had a great time at Saddleback College.

Come and join us at Orange Coast College next week, Sept 5th 2017!

Team Fluid – Download our App Now and Start Building Credit Today!

 

Fluid Wins LendIt Choice Award – Aug 2017

Press Release – Aug 2017

Fluid Wins LendIt Choice Award

Fluid, a California based FinTech & AdTech startup announces today that it received LendIt LangDi Fintech Choice Award from LendIt Conference in Shanghai, China

Fluid launched a unique FinTech and AdTech app on iTunes this year has now expanded into 32 states. Servicing 23 million students in the United States, Fluid offers a unique 0% interest personal loan product to help students build credit and get exclusive product and service offers designed for students.

“It’s an incredible honor to receive LendIt’s Choice Award at LendIt LangDi FinTech Conference in Shanghai, China. Our missing is clear, building credit for 23 million students in America and around the world,” says Timothy Li, CEO of Fluid. “We talk to students from NYU to UC Davis daily and we understand that credit and financial education is lacking in one of the best higher education systems in the world.”

“This was our first time presenting this awesome product to a world audience and it was well received. We have partners and investors interested in learning more about the product and potentially advertise to this generation of students,” says Timothy Li, CEO of Fluid.

According to a study conducted by Fluid and Equifax in 2016, after the Credit Card Responsibility Act of 2009, credit experience amongst students dropped dramatically. On one hand, the high interest and high fee products offered by credit card companies and banks did get evicted from campus, however, those high rate credit cards were the only product students had experience with when it comes to credit. Moreover, payment history on high rate and high fee credit cards were reported to credit bureaus, sadly that was the only product for university students to build credit in prior to the Credit Card Responsibility Act.

Fluid is here to change that. We are leveraging mobile technology to deliver and fun and easy to use the app to borrow money, build credit and shop product and services right in the palm of hands of our students.

“Receiving the LendIt Choice Award this year means a lot to the Fluid Team. We believe and work towards our mission every day and the LendIt Choice award really gives us the shot in the arm to keep on reaching out the next student that need us”. says Nicole Houston, President, and COO of Fluid.

Fluid is kicking off our Fall 2017 College Tour on Aug 23rd right here in Southern California. We will be on Saddleback College in Mission Viejo, CA.

About Fluid

Fluid was funded in 2016 by Timothy Li, a serial FinTech entrepreneur. Fluid is based in Irvine, California with over 20 employees to serve millions of students in the U.S. Fluid leverages a 0% installment loan, transactional and mobility data to build credit, deliver content and promote youth oriented products through gamification. Fluid’s target market is Generation Zs as of 2017. There are 75 million and 1.8 billion Generation Zs that will start shaping this world in the coming years.

Fluid is now available on Apple iTunes App Store. Download it now at https://itunes.apple.com/us/app/fluid-app/id1157853544?mt=8 

Additional Information

Contact Person: Timothy Li @ [email protected]

Phone Number: 1-888-4-FluidFi

Fluid Team

Loan Options for Traveling

Have you been dreaming about your ideal vacation spot for years? The sunny beaches of Hawaii, the busy streets of Paris, the quaint villages of Italy? A romantic Caribbean cruise or guys-only fishing expedition? Perhaps you long to revisit the honeymoon spot that you remember so fondly from years ago. Maybe you keep saying someday you will go there, but that someday never comes and the years pass slowly as your dream never seems to become a reality. Saving for travel can be difficult – sometimes you start saving only to realize you need to purchase something else that is more important at the time. A travel loan is the best way to make your dream vacation happen now.

Travel loans can make traveling possible within almost any budget. Travel loans can be obtained in almost any amount and can be used not only for airfare and lodging, but for dining, entertainment, souvenirs, shopping, or even a new clothing wardrobe for the trip.

Travel loans is a financially smart decision. It can not only improve your credit score with good payment history; it makes your vacation an affordable expense by allowing you to make monthly payments on your vacation that are suited to your budget and income.

Source: Unsplash

Holidays don’t normally happen after years of planning, in fact, most holidays we plan are most times a few months away. This often doesn’t give us adequate time to save up the money we need.

If you’re planning to take a holiday but need some help covering the costs, consider a travel loan. These loans give you access to funds to purchase tickets, pay for accommodation or to help with spending money and let you pay it off over an extended loan term. Here’s a list of some best travel loan lenders.

PERSONAL LOANS

Personal loans offer several types of loans from traditional bank personal loans, peer-to-peer loans, and travel loans. This service is available in all 50 states, and loan amounts go up to $35,000 with APRs ranging from 5% to 36%.

Keep in mind, PersonalLoans is only a referral site and not a direct lender. This makes it hard to know in advance critical information that might be easier to understand with a direct lender like which fees will be attached to your loan or which APR rates will be offered.

PersonalLoans is a great option for borrowers looking for a quick loan to travel. Just a three-step application process and you can have a loan approval in minutes. Not only is it a well-designed and informative website, since PersonalLoans is a referral resource, but they can also find you multiple offers with competitive interest rates, which is a huge timesaver when shopping around.

Source: The Home & Money Page

VOUCH

As it name implies, it requires at least one person to “vouch” for you in order for you to get a travel loan. Essentially, you can get friends or family to pledge a certain amount of money ($100 and up) in case you don’t pay back your loan, lessening the lender’s risk and leading to a lower interest rate than you might get otherwise.

Vouch makes loans from $500 to $15,000. APRs range from 7.35% to 29.99%, with loan origination fees from 1% to 5%. You’ll need a credit score of at least 600. Terms are relatively short at one to three years.

Vouch has essentially made the traditional idea of co-signing a lot less threatening by allowing friends to back you with smaller, manageable amounts instead of being on the hook for an entire loan if you don’t pay. So if you have a big network to lean on, your interest rate will go down, and the amount of money you can borrow may go up. Vouch also may be a good option for someone who is looking for a smaller loan that they can pay back quickly since lower amounts and shorter terms are on offer.

Source: Inpact

AVANT

Through Avant, you could borrow from $1,000 to $35,000 with rates ranging from 9.95 to 35.99 percent, depending on your credit history, income, and other factors. There’s also an origination fee of 0.95 to 4.75 percent.” Avant is available in 47 states and the District of Columbia.

Loans of as much as $35,000 are hard to come by if your credit isn’t top-notch, and while the APRs aren’t the lowest around, they’re still fair for an unsecured loan at that level.

 

FLUID

Fluid is arguably the best of them all. Fluid is a mobile app designed to help millions of university students get funds quickly and build credit via a 0% internet installment loan. Borrow up to $500 for your traveling and pay back in 3 to 6 installment payments. Fluid offers a 0% interest and no fee on installment loan product. This is truly unique and one of a kind. Fluid work with major credit bureaus to help students to start building credit while they are getting a great university education. With Fluid, you can borrow $20 up to $500. Download and Sign up here now! Get your money ready for summer!

Update: Fluid App v1.9 – 70+ App Downloads!

Last week, we proudly released the world’s only interest free credit app. After months of intense engineering, we finally shipped our product. It’s an amazing experience for me and my entire team. Our friends at LendIt Conference and CrowdfundInsider has both covered our story. For that we thank then. You can take a look at these news pieces here and here.

Our journey to help 22 million university students to build credit doesn’t stop here. We’ve uncovered a few bugs in our initial release and we shipped another version, version 1.9 two days ago. We resolved an issue that plagued how your password was initially set and we also fixed a bank login issue that prevented applicants from completing the application. These are all issues that we should have caught but didn’t, for that I promise that we will strive for a better experience moving forward.

In our initial first week of release, we’ve had over 70 downloads and many feedbacks from our friends and family. We appreciate everyone’s comments, emails and most importantly your believe in us to make a difference in people’s lives.

In the coming weeks, we have planned a few more releases address a variety of features both to help our customers understand our app better and also giving our operations staff better tools to service our customers. We are very excited to start a dialog with our university students seeking help with their credit needs. Please call us at 1-888-4-FluidFi or email us at [email protected]. We’d love to hear from you.

Please help us to engage a whole new conversion with the best and brightest minds in our universities on credit and credit education. Here are few talk off points for older siblings to their younger siblings or parents to their kids:

  • Borrow only what you need
  • Make on time payment and watch your credit score grow.
  • Keep your spending in control
  • Look at fine prints for fees and interests

Until next time, please take a look at our app and share this with a college kids you know.

From all of us at Fluid, thank you!

Tim

Fluid: Travel Credit Card Comparison – Capital One vs. Chase vs. Bank of America

You need your travel rewards to be ready when you are because top travel credit cards help you earn points toward a free trip faster! If you’ll be spending your credit card rewards on travel, then a travel credit card is certain to give you the biggest return for your hard-earned buck.

From airfare to hotel lodging to car rentals and more, travel credit cards offer you a no-hassle experience by making it easy to get travel loans. And when you’re traveling abroad, cards with no foreign transaction fees are invaluable. In addition to high earning rates, many cards offer incredible introductory bonuses.

Since figuring out the best travel credit card can be difficult, we have compared and highlighted below the best travel credit cards:

I. For a quick overview, this chart will help:

Name
Transaction Fee
Miles or Points reward
Purchase APR
Verdict
Capital One Venture Rewards Card
$0 intro for first year; $59 after that
Unlimited 2x miles on all purchases, one-time 40,000 bonus miles once you spend $3,000 on purchases within 3 months from account opening
13.74% – 23.74% (Variable)
Great travel card with flexible reward usage, 40,000 intro bonus miles (equivalent to $400 in travel), no blackout dates or restrictions
Chase Freedom Unlimited
0% Intro for 15 months from account opening on purchases and balance transfer fee is 5% of the amount transferred, $5 minimum.
No annual fee
Unlimited automatic 1.5% cash back on every purchase
Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
15.74-24.49%.
(Variable)
Great travel card. Redeem for cash – any amount, anytime
Cash Back rewards do not expire as long as your account is open
BankAmericard Travel Rewards Credit Card
0% Intro for 12 billing cycles for purchases
No annual fee, no foreign transaction fees
Unlimited 1.5 points per $1 spent on all purchases,
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases
15.74% – 23.74% (Variable)
This is a low interest travel rewards credit card issued by Bank of America with a $0 annual fee. Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees

II. For a detailed comparison, our analysis here will help:

Capital One® Venture® Rewards Credit Card

  • Offers a one-time bonus of 20,000 miles (equal to $200 in travel) when you spend $1,000 on purchases within 3 months from account opening
  • No annual fee, enjoy a low intro APR on purchases for 12 months; 12.74%-22.74% variable APR afterwards.
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay
  • Miles don’t expire and there’s no limit to how many miles you can earn
  • Capital One offers zero foreign transaction fee and is perfect for simple travel rewards.
  • Travel when you want with no blackout dates; fly any airline, stay at any hotel, anytime
  • no blackout dates or restrictions

Chase Freedom Unlimited

Chase Freedom is great for earning cash back hassle-free

  • Enjoy unlimited automatic 1.5% cash back on every purchase
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%.
  • Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

BankAmericard Travel Rewards Credit Card

This is a low interest travel rewards credit card issued by Bank of America with a $0 annual fee. Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees

  • Enjoy unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.74% – 23.74% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account

Get Money from Fluid to Travel

Are you a student interested in travel loans? FluidFi.com is the avenue you seek. Fluid App allows students to borrow money interest free. Fluid’s micro-loan product has 0% interest and $0 fees. Students pay back in 3 or 6 months terms and borrow again. No other financial product beats this. Also, Fluid is designed specifically to build credit for college students in America. Fluid reports repayment activities to national credit bureaus from day one to truly build credit for students. Most credit card companies have been removed from American campuses resulting in students having very limited ways to build credit while in college. This is an unbeatable advantage.

 

The Fluid Difference:

  • Builds your credit score
  • Enjoy 0% interest rate
  • Zero transaction fee
  • Student friendly and highly interactive app
  • Pay back in 3 or 6 months terms and borrow again.
  • All repayment activities will be reported to credit bureaus from day one to help you build your credit score.

Download FluidApp from app store today to enjoy 0% interest rate and build your credit score!

Ugly Truth Behind Capital One Secured Card

We have a lot of recently graduated university students come to Fluid wishing our product was available while they were in school to help them build credit. For those that are still in college, don’t wait any longer. Go to Apple iTunes App store and download Fluid App. Start building your credit today buy borrowing a small amount of money and pay back on a monthly basis at no cost to our students.

Bad Financial Products Hurting Students

There are some ugly and unsavory products out there that prays on the fact that college kids have no real option to build their credit while in school. These products such as sub prime credit cards or secured credit cards asks for a deposit upfront as a requirement to build credit. Most of us don’t have the up front cash to get it started. Some of of these so called rebuilding credit products such as Capital One’s Secured Card is a shining examples of a bad product gone wrong.

Secured Card Fees

Starting with fees. Capital One’s secured credit card requires you to put down $50 to $200 dollars just to get a credit card. What do you get in exchange? Just $200 of credit line. You can slowly work yourself up to $1,000 but there are other stipulations such as that you can’t have more than 2 credit cards with capital one. There are a list of criteria that are unfriendly to college students. Such as you have to $425 dollars of discretionary income after rent and mortgage. Most of our college students doesn’t have a steady income year round and sometimes their room and board is supplemented by parents or school. Left overs from part time jobs or other part time income won’t satisfy Capital One’s secured card requirements.

Secured Card High Interest Rate

Whether it is cash advance or purchase, Capital One’s secured card charges students 24.99% APR. This annual percentage rate is an compounding interest rate, meaning that there is interest on interest. If you ever leave a balance on the secured card and only paid the minimum, it will take many years to pay off the high interest rate and you might end up hurting yourself financially in the long run.

The other aspects of this 24.99% APR is that it is not a fixed annualized percentage rate. Looking closely into the fine print, this rate various depending on an bank borrowing rate or Prime Rate. If Prime Rate goes up and you have a balance left on this secured card, your rate could go up without notice and your ability to pay off the entire balance is hampered again.

Secured Cards Are Not For Students

Capital One’s secured card is really for someone that’s playing catchup after graduation, worse, got bad credit because of lack of financial education. We talked to a few college graduates that are already in the work force. For various reasons, they didn’t build credit while in college and got a rude awakening when they found out that they had no credit or credit score. There only option was to use high fee and high interest secured card and it took them on average over 2 years to build up their credit. Without a good credit score, they end up with expensive forms of financing when it comes to student loans, car loans and unable to purchase a home because of it.

Our friends wished someone should have educated them about credit while in college and that they wished that there was a good product available to students to build credit while in school. Instead of waiting for years after college to get a decent credit score, they could have done it and saves all that time by building credit in school.

Fluid App

At Fluid, we believe that there should be a better product for students to educate themselves with credit and a product that actually helps students to build credit. Fluid is an app which you can use to borrow a small amount of money. Each month, you pay it back and that activity is then reported to credit bureaus. Your payment history is one of the most important elements of a good credit score. On time payments, borrow what you need and keep your spending in check are the three hallmarks of keeping a healthy financial life and are the foundations of a great credit score.

A great credit score will allow you to purchase an apartment or a home, lease the car of your dreams and refinance or consolidate your students loans into a low single payment. Why not start today by downloading Fluid App from Apple iTunes App store and give it a try. It’s free to use.

Team Fluid

 

 

Read This Before Applying For Discover “Student Card”

Before you apply for that Discover Student Card, there are a few things you should know. In 2010, the U.S. government banned all banks and credit card companies from going onto campus and advertise their financial products. In fact, the U.S. government passed a law forbid companies like Discover and Capital One to be within 1,000 feet of any university campus?

Why?

The bottom line is Discover Card and Capital One’s high Interests and fees. These companies found a way to pray on our university students and entice them with t-shirts and pizzas to sign up for credit cards that the students can’t afford to pay back. On top of that, these credit card companies charges students over 24% plus compounding interests. If you are ever late on your payment, there is a $35 to $37 late fee. Capital One made millions off of the backs of students and that was the reason why the U.S. government passed a law called The Credit Card Responsibility Act. Fast forward a few years, these products with very similar terms are creeping back into the public eyes.

Facts & Fine Print

Let’s get to the chase. Discover charges students 13.74% – 22.74% APR (annual percentage rate). If you own $500 dollars to discover on their credit card, it will take you over 2 years and $135 interest to pay off your debt. If you are ever late on your payment, you have to fork over $37 and if one of your payment bounced, you have to fork over another $37. Any student or parents reading this need to think twice about getting themselves into a product like this.

It could hurt you

Missing a payment or two because of high interest rate and high fees from Discover Card can hurt you. Just like on time payments are reported to the credit bureaus, missing payment or late payment are also reported to the credit bureaus. If you end up with a credit card from Discover and you got tripped up by high interest rates and high fees, Discover will report this to the credit bureaus and they may end up offering you a disservice.

Thanks to federal regulations, credit card companies have to disclose their fees and interest rates. However the real terms and fees are hyperlinked on Discover’s website and it’s hard to find if you aren’t careful.

Compounding Interest

Okay, for all your business and finance majors, this might be a review. However for the rest of us, compounding interest is what credit card companies like Discover charges you. To put it simply, compounding interest is interests on top of interest. Let’s say that you own $500, and you are only making minimum payments each month and you are carrying a balance on your credit card. The interest accrued on your balance is added to the total balance and the credit card company is charging you an interested on the prior interest and balance together. This is a single biggest factor on how students get into mountains of credit card debt. The credit card companies wants you to pay the minimum payment so they can keep on charge you interest on top of interest. Get educated on compounding interest here: https://en.wikipedia.org/wiki/Compound_interest

The Fluid Differnece

Fluid App believes there is a better product and better solution for our students. A product that carries 0% interest and 0% fees. We don’t believe in penalizing students, we believe in rewarding students. We don’t believe in making millions off of the back of our college students, we believe in financial education.

Fluid is an app where you can borrow up to $500 dollars and pay back in 3 to 6 installment payments. We report this activity to all consumer credit bureaus so you get the benefit of building a great credit score.

Ever wonder about what your cross town rival college is doing with their credit score? Fluid provides a head to head contest between all universities on their average credit score. If you do well, your school will do well. Help your university rank higher by borrowing less, making on time payments and be careful with student credit cards that will cost you a fortune.

Yours,

Team Fluid

Download Fluid App at: https://itunes.apple.com/us/app/fluid-app/id1157853544?mt=8

Why should I care about credit? I am invincible!

We know that you got into an awesome college of your choice. You finally moved away from your parents. The adrenaline and anxiety is overwhelming. Roommate, workload, classes and friends at home are occupying everyone’s mind. For someone of us, the next four years is awesome, emotional, tiring and exhilarating at the same time.

You attend every class, nailing those exams, making great life long friends and most importantly getting ready for the next stage of your life.

If you are in Princeton, Yales, Stanford or Duke, your average GPA is 3.28, 3.51, 3.55 and 3.44 respectively. If you study Engineering, Math, Biology or Chemistry, your GPA is 2.90, 2.90, 3.02 and 2.78 respectively.

We become obsessed with numbers.

There is another number that could be as important as your GPA, that is a credit score. Often, we hear from our students that they found out about not having credit after graduation. When they are apply at SOFI, Common Bond for a student refinance loan, or getting their first new car at Ford or Toyota, they are all of the sudden comforted with the harsh reality of not having any credit.

What is credit?

Credit is a measure of your capacity to borrow and pay back. A number that measures that capacity is called a credit score. Some of us might have heard of a type of credit score called FICO. It is a company called Fair Isaac that takes information from your credit report to calculate a credit score. It uses things such as how long you have been on credit bureau’s radar, are you paying your financial obligations on time and so forth. It is a score typically between 300 to 900. The higher the score, the better FICO thinks your ability to borrow and pay back is.

There is just one problem…

You have to have credit to get a credit score. Where do you start?  Am I already too late to build my credit? How come no one has talked to be about credit? My parents told me that credit card is bad and you shouldn’t spend more than you earn. Some of the credit card products are bad with high interests and fees and we all agree that you shouldn’t overspend. However, have a great credit or credit score is essential to get the best pricing when you refinance your student loans, buying that shinny new car or even getting the apartment you really wanted.

What are my options?

7 years ago, the government essentially prevented large banks and credit card issuers from going on campus and advertise their products. The reason was to prevent credit card companies to over charge students with fees. The gesture is commendable but the unindented consequence is that the banks were reporting these activities to credit bureaus and in a way, helping students to build credit. That option is no longer available.

In come Fluid. We are now offering a great app served up right on your phone to offer a no cost micro loan to help you build credit while you are in college. Instead of finding out about credit and credit score after college, Fluid will equip you with knowledge and put a product in your hands that actually build credit. Signing up with Credit Karma and Nerdwallet has it’s perks but they don’t offer a finance product that actually help you build credit. Using Venmo to pay your friends is a great way to settle your bills, but you have to have some dough to start. Fluid solves both of these problems.

Give us a try and we love to hear your thoughts on this product: Download it here: https://itunes.apple.com/us/app/fluid-app/id1157853544?mt=8

Team Fluid