This would have been great when I arrived in US with zero credit history. While I did get secured card from the bank, it took for ever to get a line of credit

This would have been great when I arrived in US with zero credit history. While I did get secured card from the bank, it took for ever to get a line of credit of more than $500/month. The "monitor/improve your credit score" approach is good too as it can be a very foreign concept when you come from Europe...