【-Feature 】 beginning to United States persons often lack credit history due to apply for a brick wall, nowhere. In fact some applications of special tube, on the one hand, contribute to the establishment of credit information, and also easier to obtain approval. And recently the credit card market competition in Japanese, General credit card companies are the antennae to the student group of consumption, provides many convenient application process. Therefore, people who apply for a credit card may wish to take this opportunity to pay more attention to the following pipe, instead of a brain to take everywhere a filled out application form for a against own confidence!
1. Select an easy shopping at department stores in order to establish a personal credit card
General Department store from time to time to promote the use of premium encourages applications, although this type of card is limited to the use of department stores, in stores, slump, its to stimulate consumption and because of their credit limit is not to the General credit card high, wide, auditing easier access to their credit card, to take this personal credit records. Once the credit establishment, you must maintain a good credit record, take this card as future springboard for other credit card.
2. open a bank account, credit card applications
United States in some places, especially in large cities, banks, and business. Plus Bank attaches great importance to the consumer group of students, to encourage students to the bank account deposit, often during the first school to University for an account and apply for a credit card program. Even after his school for the period, this preferential policies often with Bank policies and sustainable. This way because of the priority claimed, the credit card deposit followed by service, so the more relaxed, obtain audited credit more easily, so a credit limit and won't immediately to very high. But this does not have a credit history students, is a good chance your credit card. Students should be proactive with your local bank, not to be missed.
3, students dedicated applications
Student credit card market is growing, so the school bulletin boards can often see on a wide variety of specially designed for students with the application, the application often requires an enclosed student card, registration or tuition billing, etc, and some also require schools registered seal, to show the group students identity and correct. Because of the school or student status relative to prove, and therefore easier to obtain approval.
4. find a joint signatory (Cosigner) assist applications
Because of the lack of credit information or insufficient income to credit due to an application, it is best to use is accompanied by the signature of the person signing the application form, named the best common signatory is a good credit record, their relatives and friends in order to guarantee you cannot pay at the time the liability. A credit card company without worries: insufficient cable section, more willing to card issuers to such applicant. Pending credit establishment, then try independent applications, establish personal credit-guarantee.
5, using the mailbox information
Once the establishment of personal credit record, credit card application form or even will take the initiative to your letter box. This type of application form are advertised prior approval. But individuals may consider their needs and those of the various elements, to decide whether to fill out an application, a solid, very few examples of rejection.
6, TV advertising
This is a higher risk of an application for its issuance objects often no credit history or credit bankruptcy. Application is through 800 or 900 telephone, such as the 900 telephone, telephone expenses are very impressive, but such applications often require some applicants filing fee in advance, there is no guarantee that there are suspected of fraud. But did the TV, it was not suspected him to fall into their lies. Therefore, in this, that if is necessary, may wish to recommend to the Bankcard Holder of America asked whether the issuer of the credit to do.
7, filling skills
An application to fill in the form of skills should also not ignore, the following items can be a frame:
(1) the career bar:
White space is not complete and is not a good strategy, in fact, the post bar can be filled as a student, and school name is filled in with the employer. To obtain a scholarship seekers can even be glamorous to fill job bar TA or RA, and employers bar complete the scholarship provider. Some are designed for students of the application form and there is no such column design that reduces a lot of thought.
(2) income bar:
The total amount of the tuition, living expenses, interest income and counted, and indicate the sources and obtain a scholarship can fill the salary bar to increase the chances of winning.
(3) a close relative's name:
May wish to fill the credit good for friends and relatives, even if only the friend, is better than no fill.
(4) deposits from banks bar required detailed:
Because this is the credit card company to investigate your current account credit status of important basis. The application period, it is best not to arbitrary end bank account, in particular the checking account. In case of change, it would be desirable to await the results back then to change. 【】
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