1. Quantity: 2-4 sheets.
You can handle several credit cards for different banks and different purposes, preferably one for Visa, Master and AE. In addition, some credit card companies will offer some small discounts to attract everyone, so students should not be greedy to avoid long-term losses.
In particular, some people who spend too much money on credit cards will be heavily in debt in a few years, so students should use credit cards moderately.
Second, it is not the number of cards, but the quality.
Many banks in the United States provide credit card business, and credit cards with credit lines as high as tens of thousands of dollars issued by big banks such as BOA, Case, American Express and Discover are more popular. There are many types of credit cards in the same bank, so students should choose the one that suits them. At first, big banks only gave students a credit line of one or two thousand yuan. If they use it well, they will naturally increase the credit limit for everyone.
Sometimes students can call themselves to ask for more places. If the reason is to buy big items or travel, the bank will encourage students to spend more as long as everyone's credit allows.
Third, establish a credit record
If students never break the contract, within a few years, everyone's credit record can reach more than 700. In this case, students can get the best interest rate when buying a house and a car.
Fourth, credit card guarantees consumption.
In the United States, credit card payment can be delayed, and students can notify the bank to refuse to pay if they buy unsatisfactory goods.
Five, credit is divided into six factors.
1. Credit history length: the longer the score, the higher the score. The length of each credit card is also important. If students are in different schools.
Jumping cards, constantly applying for new cards and closing old cards will damage everyone's credit.
2. Credit limit: With the increase of points. Credit card companies will compete with each other if they find other banks to raise money for their classmates.
They will also increase the quota in time.
3. Arrears: The less points, the higher.
4. Calling frequency: Frequent calling of credit records in a short period of time will reduce students' scores. If you want to apply for a new card, you have to do it every time.
Please call your record once.
5. Asset status: Students' loan status will be displayed on their credit records. If they never default and have a long history, they will score high.
6. Total amount owed: The more points, the lower.
Sixth, the loss of credit cards needs to be handled in time.
In the process of using credit cards, students will inevitably encounter loss or theft. If you lose your credit card, don't worry too much. Just call the bank to report the loss and reissue it within 24 hours.
Seven, credit identity security issues need attention.
Unless absolutely necessary, try not to tell others your social security number, birthday, birthplace, mother's name, etc. Including people close to your classmates.
Generally, only banks, insurance companies, police stations, tax bureaus, vehicle management offices and other state organs have the right to inquire about this information. Of course, hackers will inevitably attack user systems and steal user information.
But everyone must protect their credit identity, otherwise it will cause trouble.