There are 261 million Americans aged 18 and over, of which 100 million, more than 38%, either have no files at credit bureaus or are challenged by subprime credit scores owing to previous inabilities to satisfactorily pay back what they had borrowed. Experian, one of the big three credit bureaus in the US, has created the Experian Smart Money Digital Checking Account & Debit Card for this cohort as a tool to help build or rebuild their credit score. Customers are offered a $50 signing bonus as an incentive if they open an account with ongoing direct deposit of their paychecks. Once t...