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Vivinavi Los Angelesクレジットカードの返済
- #1
-
- うさちゃん
- 2006/02/23 03:40
質問です。アメリカのクレジットカードで買い物をした場合い、支払いは日本と異なるのでしょうか？日本の場合、毎月決まった日に引き落としですけど、過去ログを見てると、自分で払うと書いてる人や、レイトペイメントという言葉を良く見ます。こちらでは、自分の口座から毎月1回、自動的に引き落としという制度はないのですか？クレジットカードを作りたいので、色々勉強しておかなきゃと思っているので、教えてください。
- #2
-
- たまねぎ
- 2006/02/23 (Thu) 11:19
- Report
確かに システムは日本とまったく違いますね。 月に一回 月々の明細書が届きます。 それには その月に使った金額と 最低金額の支払い金額が載っています。大体 最初のカードを作ったときは その最低金額よりも 月々使った分ずつ返していくのが理想的ではないでしょうか？
日本は 銀行口座から自動的振込みになっていますが ここでは 自分で管理しないといけません。それに 日本である一括払いと分割払いというのもありません。
自動引き落としをしたいのであれば 今は銀行のオンラインサイトで登録すればできるようになっています。 月のうちいつどこの会社に支払いをするか 登録すればいいわけです。そうしておけば レイトペイメントは免れます。そもそも レイトペイメントは クレッジトスコアに大きく響くので 要注意ですね。
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