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Vivinavi Los Angelesアメリカでクレジットカードをつくりたい
- #1
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- aya
- 2002/04/28 17:20
アメリカにきて一年になりますが、クレジットカードにアプライしても、ヒストリー不足で断られてしまいます。
比較的審査の厳しくないクレジットカード会社とかあったら教えてください。
ちなみによくクレジットカードの規定にあるFINANCE CHARGEって何ですか?INTEREST RATEとはまた別なんですか?
- #2
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最初は、デポジットを預けて作るSecured Cardを作られたらどうでしょうか? カード会社によっても違うと思いますが、$300位のデポジットから作れたと思います。2ヶ月間で使うと思う金額を入れておくと便利かと思います。それで「使っては返す」を繰り返すとヒストーリーが出来て、更に良い条件のカードのオファーが来るようになります。長い目で見て下さい。
審査が厳しくないとこは、条件が悪く高い年会費を取られたり、ファイナンスをした場合の利率が高い、、etc.と思って下さい。
また、やたらとアプライすると、その複数のアプライもヒストリーに残ってしまい、あまり良い結果を招きません。
- #3
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最初は、シアーズや、ターゲットなどのデパートのカードを作って何度か其のカードでお買い物したりすると、何ヶ月かすると、クレジットカード会社の方からアップルーブしました。入会ください。とかメールがきますよ。
あと、キャピタルワンの会社は作りやすいと聞いてます。
- #4
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条件のいいカード発見! www.skypassvisa.com ←ここは、どうやらSecured Cardもあって、更に使うとKorean Air Lineですが、マイルも貯まるみたいです。 もし、良かったらアプライしてみたら?
(僕、ここの回し者では、ありませんが、、、念の為)
- #5
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みなさんいろいろとアドバイスありがとうございます。
実はわたし、MACY’Sはもう既に断られてるんですよねー
SKYPASSチェックしてみますね。
ひきつづき、具体的なクレジットカードの情報があったらお願いします。
- #6
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私も断られまくったけど”Providian" というクレジット会社でアプライしたらSecured Cardのオファーがあり、50ドル位の年間費の物を使っています。返せる程度の物をカードでたまに買い、ちゃんと返すという事を少しづく繰り返し、今では色々な所からカードのオファーが来ます。そろそろ年会費ゼロに替えるつもり。でも最初は400ドル位しかクレジットラインなかったけど、今は2000ドルに増えてます。1年くらいかな、使ってるの。他は全部断られたけど、プロビディアンは救ってくれました。ネットとかのカードは気を付けるべきと言ってましたよ。でもプロビディアンは最初実はネットで申込して、断られて手紙で新たなオファーが来ました。そこに聞いてみるのいいかも。
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