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お勧めクレジット会社&ヒストリーの作り方
- #1
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- いいな
- 2003/06/20 06:36
アメリカ滞在が長くなりそうなので、今からクレジットヒストリーを作り始めようと考えています。学生だったのでアメリカでクレジット自体持ったことがありません。
特典が多くて利子が低めのお勧めクレジットカード会社を教えて下さい。ヒストリーがない私には銀行が出してくれるSecured Creditcardしかチョイスはないのでしょうか?
- #2
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- ほうき
- 2003/06/20 (Fri) 14:39
- Report
どこも利子高いんだよねー。しかもクレジットリミットが低い。ヒストリーがないと。
あたしの場合は、Secured Creditcardのことをはじめ知らなくて、クレジットカード会社で利子の高いカードを始め作ったけど、毎月ちょっとずつ使って(毎月使うのが結構大事)、全額いつも返済するようしていた。そうすれば利子は取られないし。
高い買物の時はお店でその場でアプライできるローン(3〜6ヶ月利子なし)を使って買物もしてた。
そんなうちに良いヒストリーが残って、利子が低くてクオリティーのいいカードが3年目ぐらいから取れるようになったよ。
その時、やっとアメリカで一人前の社会人として認められたって気がしてうれしかった(大袈裟?)
気を付けたほうがいいのは、Annual Fee。これが無料のを選ぶべし。一年目に無料でも2年目から高額取られたりするのもあるらしい。あと、利子も安く書いてあっても半年後や2年目から急に高くなったりすることもあるらしいので、契約書はよ〜く読んだほうがいいと思います。
でも、質問だけど、Secured Creditcardじゃ、どうしてだめなの?
- #3
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- ほうき
- 2003/06/20 (Fri) 14:53
- Report
書き忘れましたが、ウェブサイトで自分のアカウントがいつでも見れるサービスとか、24時間カスタマ−サービスがあるってことも大切ですよ。
- #4
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ほうきさん、Securedだと初めにdeposit入れてそれ以内でしか買い物できないんだよ。私もそれ超えて買い物しようとして使えなかったこと合ったから、ちょっと不便だよね。それに金利もチョ〜高いし。
でも1年位いいhistory貯めたら、普通のcardもapply出来るようになるよ。
あっ、普通のが申し込めるようになったら、ガソリン買うと何%か還元されるって言うガソリンスタンドのもいいよねー。もちろん、年会費はただを選んでね。
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