#Credit Card
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Calculators
Korean Card Deduction Calculator (2026) — Start With How Far to the Threshold
The card deduction closes on 31 December, so checking it in January changes nothing. This calculator answers one question instead: have you cleared the threshold, and if not, how much is left?
Money
US Credit Scores — Free Reports, 30 vs 45 Days, How Long Marks Stay
One free report a year from each of the three bureaus — and a dispute filed after it gets 45 days, not 30.
Taxes
Korea's Year-End Tax Settlement: the Credit-Card Rule Is Half Wrong
We ran the National Tax Service's own formula. Filling the 25% threshold with a credit card is worth exactly zero in tax.
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