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Vivinavi Los Angelesアメリカのクレジットカード（ヒストリー）について教えてください。
- #1
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- FCUK
- 2004/06/21 01:05
アパートなどの契約で必ず出てくるクレジットヒストリーとは一体何なんでしょう？全くこちらのシステムが分かりません。クレジットヒストリーを持つにはアメリカのクレジットカードが必要なんでしょうか？日本のクレジットカードにはクレジットヒストリーはないんでしょうか？誰かクレジットヒストリーについて詳しい方教えてください。お願いします。
- #17
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- ken2
- 2004/06/24 (Thu) 13:00
- Report
http://www.myfico.com/
- #18
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- ルイージ
- 2004/06/24 (Thu) 17:44
- Report
ヒストリーを作るのに新車を買うのがいいと聞きましたが
実際はどうですか？
また、お勧めのカードなどありますか？
- #19
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- mamachan
- 2004/06/24 (Thu) 18:41
- Report
ご存知の方もいらっしゃると思いますがあまりむやみにクレジットヒストリーチェックをするのは危険ですね。
特に短期間に何度もしてしまうとお金に困っててカードを何枚も作ろうとしてるのでは？と疑われることもあるので、チェックする事事体によってヒストリーを悪くしてしまう可能性もあるからです。確かに新車を購入してしばらくローンをきっちり払い続けてると
次々とカードの申し込み用紙が送られてきますね。そのこと事体がヒストリーが出来たということなのだと思いますが年会費のないものやAPRの低いものを選び、２枚もあれば充分だと思いますが作る時期もずらしたほうがいいかもしれませんね。
- #21
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ありがとうございます。
さっそく調べてみたいのですが、Ｋｅｎ２さんのサイトは最初無料ですが無料期間内にキャンセルしなければいけないようです。普通どういう風にキャンセルするんですか？ＵＳだとなかなかこういうのがキャンセルできない様にしくまれてるとか聞くのでちょっと心配です。
- #20
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＃１４さんの意見ですがたしかに電話代や電気代は若干のヒストリーには蓄積されますがクレジットカードが申し込めたり携帯電話をタダでもらえたりがＯＫが出る程度のもの（実質的に役に立つ）には２年たってもなりません。車のローンなどは早いと思います。
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