在美留學信用卡申請歷程 - 信用卡
By Brianna
at 2014-06-25T05:04
at 2014-06-25T05:04
Table of Contents
謝謝各位分享,希望拋磚引玉能替大家在美國申請信用卡方面解惑。
的確有很多不同消息說只要你跟該銀行來往,申請信用卡就比較容易。
可是也有人回報說一直被拒絕,可能這方法對這個人成功卻對另一個人失敗。
所以我就採用最保守的方法,在此也分享我申請的卡:
第一張卡:secured plantium credit card
這張卡有1%現金回饋,跟一般plantium credit card一模一樣。
缺點是要有押金,但是可以自己隨時調押金,最低是五百。
也就是說你可以調到兩千,買完機票再調回來。
不要申請rebuild card那種卡沒有什麼回饋,
第二張卡:Chase Freedom
這張是線上申請就直接通過了,額度剛開始是2500元,三個月後升到4500,再三個月就升
到6000元。
第三張卡: Discover it 卡
這張也是線上申請,但他們客服有打電話過來確認,剛開始也是2500元。
第四張卡:Amex Blue Cash Reward卡
這張也是線上申請,三分鐘申請完就直接通過了,馬上就給2000元額度,也沒有打電話確
認,卡號也是申請後就產生了。
目前我的信用分數是695 (Credit Karma),729(Discover it) ,我這方法不需要跟客服周
旋,也不需要什麼文件證明,想要申請什麼卡都可以申請到,所以我不覺得secured
credit card有哪方面不好,不過只要你有辦法取得第一張信用卡,好好用那一張一年就可
換比較好的卡。
因為我們學校的Credit Union只要是國際生就不准換一般信用卡,所以我後來就只好剪掉
擔保型信用卡,因為也真的很難用,除了累積信用紀錄之外,其他福利都很爛。
另外也提供會影響信用分數的因子:
貸款紀錄、信用歷史、信用卡紀錄、信用上限
也就是說如果你手頭上有多張信用卡,每張信用卡都到最大信用上限,你的信用分數就會
超級高,即使你沒有信用歷史。所以這也是為什麼美國的信用分數制度鼓勵人持有多張信
用卡,主要原因是因為可以取得更低的貸款,像房貸可以至少取得4%。
但是如果沒有社會安全碼,就會很難建立信用歷史,有人說系統會抓住址和使用人姓名,
但是美國系統辨識中文拼音很差。我自己好幾張信用卡的名字都拼錯,要改還要重發,但
是因為有社會安全碼,都是歸在同一個紀錄的。從CreditKarma的紀錄來看,也沒少掉任何
一張信用卡。
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Tags:
信用卡
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