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www.annualcreditreport.com 에 가셔서 크레딧 기록을 조회해 보세요. 여기에 현재 사용하고 있는 어카운트가 보이면 크레딧 히스토리가 시작된 것입니다. 이때부터 약 6-9개월 후면 크레딧 점수가 빌드업 되기 시작합니다.
약 12-18 개월 후면 일반신용카드를 발급받으실 수 있습니다.
아래 영문은 Secured Credit Card 에 대한 설명입니다.
What is a Secured Credit Card?
A secured credit card requires a cash collateral deposit that becomes the credit line for that account. For example, if you put $500 in the account; you can charge up to $500. You may be able to add to the deposit to add more credit, or sometimes a bank will reward you for good payment and add to your credit line without requesting additional deposits.
A secured credit card should have the following:
- No application fee and a low annual fee.
- The ability to convert to a regular, unsecured credit card after 12-18 months of on-time payments.
- Be reporting to ALL THREE credit bureaus.
Rebuilding Your Credit With a Secured Credit Card
Your best bet is to make arrangements with all of your current creditors to pay off your current debt and then make your payments on time. But this alone will not build a good credit score, it'll simply undo some damage to your credit score. You need to have a credit card you can use at least once per month and pay off in full each month to make your credit score go up quickly.
Even in the present economy, a person with a bad credit score can get a credit card. And, you don't even have to stoop down to cards with annual fees. A secured credit card issued by your bank allows you to rebuild your credit score quickly, if you use it responsibly. You only need to make a small purchase each month and then pay the card in full each month. After several months of doing so, and if you are faithful with your other debt payments, your credit score will quickly rise.
After about six to nine months of responsibly using your secured credit card, you will find your credit score rising sharply. At this point you should also know how to use your secured credit card responsibly. This is an important part of rebuilding credit scores. You need to continue using your secured credit card responsibly or your credit score will soon be damaged again.
Building a Credit History
First, get a couple of secured cards. Next, spend small amounts wisely, pay more than the minimum payment (or pay it all) every month and pay it right when you get the bill, don't wait for the due date and don't be late.
For people with poor credit or no credit, a secured credit card is the fastest, most effective way to reestablish themselves as good credit risks in the eyes of lenders. Secured cards are easy to get and the card issuer reports your payment history to major credit bureaus every month.
Using Credit Cards Responsibly
Using credit wisely is important since your credit reputation influences the rates that will be paid on a loan for a house or car, or for a credit card. The better your credit reputation, the lower the interest you will have to pay. Although secured cards tend to have higher interest rates and annual fees, they provide a valuable steppingstone to unsecured credit.
If you cannot use your secured credit card responsibly, it is time to consider that loans and credit cards are not for you. Some personalities simply don't work with credit. There is no shame in being someone who must live on a cash basis, but there is shame in taking on lines of credit when you are someone who must live on a cash basis.
Establish a Sound Payment History
Establishing a payment history will help you qualify down the road for the major credit cards. Using this secured card appropriately and within the set parameters will help rebuild your credit. Only make small purchases and pay the bill in full when it arrives and well before the due date. Doing this regularly over time helps build your credit history as a prompt payer.
Don't fall into the trap of credit cards-overspending and/or making minimum payments. Once you have built a solid credit history over 12 months or more, you can apply for an unsecured card. Or, you can talk to the card issuer about converting from your present card to a regular card.
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