Loan for establishing credit history!

[srdjevic]

@Zana:
paypal daje besplatno debit card posle 60 dana koriscenja (da ne dozvoljavaju bas odmah da je uzmete) koja je povezana na vas paypal nalog (a tako mozda i sa vasim checking-om, ako je paypal povezan).... a kako paypal nalog stvarno podseca na checking account, nije ni cudo.
Stigne ti debitna, i od tada mozes nju da koristis za sve (online+offline, whatever) - ista je kao i bilo koja druga kartica; izdaje je Chase. :obrva:

@xeg:
sto, ja bas volem svoje kreditne... ne mogu mi nista, otplacujem ih na vreme, i uzivam.
koliko ja znam, FICO skor se menja po drugim merilima... znaci gleda se kako otplacujes kredite (da li na vreme ili ne), koji je odnos izmedju potrosenog i ukupnog (ovo je bitno samo za revolving credit), koliko cesto trazis kredit, itd.... taj jedan kredit ti nece umanjiti skor - osim ako ti nesto ne za___es. :;D:
ako je kredit revolving, onda ce ti uticati na skor dokle god imas balans na njemu (jer ti smanjuje gorenavedeni odnos potrosenog i ukupnog) i dokle god ga ne placas na vreme... to je ono sto moze da ti smanji FICO. da poveca... ne moze. to ide vremenom, racunaj tek posle 7 godina da ces imati fin FICO skor (zadnjih 7 godina se gleda, te tek tad mozes da izbegnes etiketu "insuficient credit length")... :smrc:

[V777]

[COLOR="Navy"]Evo odgovora mog bankara, sto se tice pitanja od juce i loana navedenog u naslovu ove teme:

- kamata je 6,99%, kad se isplati ceo iznos, imacu jos $150 na racunu vise;
- ovaj loan donosi FICO poene, ali te poene ne odredjuje banka, vec kreditni biro, te banka i ne zna koliko tacno poena ovaj kredit moze da donese.

Pozdrav!:pozz:[/COLOR]

[Seekimo]

Paypal!!!Sta je sad to???:ohman:

[V777]

[QUOTE=Seekimo;4903]Paypal!!!Sta je sad to???:ohman:[/QUOTE]



[I][COLOR="DarkSlateBlue"]https://www.paypal.com/

Procitaj kad imas vremena!

Pozdrav![/COLOR]:pozz:[/I]

[Olivera]

[SIZE="1"]Source: [url]http://www.delphifaq.com[/url][/SIZE]

[QUOTE]This is about establishing credit. I learned it the hard way.

Spring 1997. I had moved from Germany to the USA around Christmas and enjoyed my first Southern Californian year. While I browsed the www, I saw some ads for credit cards, clicked on them and was thrilled by the nice designs. They were issued by First USA and I was given a choice of nice pictures of them. I saw one with a nice winter landscape and wanted to have it.
It was so easy.. type in social security # .. little did I know what I started ...
Nothing happened and a week later I saw a pretty card that featured motives from the business world, looked cool, so applied for that one too.
A few weeks went by and I got two letters saying something like "insufficient credit history".
I did not really need such a card, because I still had a Mastercard issued by my bank in Germany. The inconvenience of that card is that they charge me 1% on all expenses made in a foreign currency and I have to pay it off from my account back in Germany.
After getting those two letters, my sports spirit came out, I went on the web again and had no problem applying again :-)
Another letter came soon.

What had I done wrong? I did not understand it. I had lived in Germany financially stable and was used.. umm.. to be given a chance. I knew someone in San Diego who had never had a job in the entire life but qualified for a card by their bank. I did own a home in Germany with rental income, I never had had any problems with banks before.
So I asked my friend who worked back then in a collecting agency (she has her own finance brokerage business now). She yelled at me 'how could you be so stupid???'.


I had my address for 3 months only

I had my job for 3 months only

there was no record what I had done before and where I lived before

I had applied for several cards within short time

'In other words', she told me, 'everything is wrong with you. You are bad credit. Yuck, will I catch that over the phone line?'


What is important?

Stability (same job and address over years)
Difficult for immigrants.

Regular payments towards existing creditors
Well, I had none. My 4 successful phone bill payments did not count. Since nobody would lend me money, I figured, how could I have creditors?
My friend recommended me to get a Target (department store) card and wait before I reapplied for a regular credit card.
I followed her advice and Target indeed qualified me for a $200 line. I forgot about the cards for a few months, since I was doing fine without one. I used my ATM card all the time.. no problems.
More than half a year later I wanted to purchase airline tickets online and was to cheap to give my German bank that 1% fee for currency exchange. So I re-applied... did not work. My friend had not told me that I actually had to use that department store card <grin>. So here comes my big wisdom of 1997:

You need to BORROW FIRST to be respected by a bank
My friend then told me to get a Secured credit card

I did this with my local credit union. They agreed with my friend's statements that this would help me build credit. I deposited $500 and got a credit line of $500. My friend told me about secured cards that have a 1:2 or a 1:3 ratio. (1:3 means that if you deposit $500, your credit line is $1500.)
I did not really care that much and used the card frequently. Less than a year later, I applied for an unsecured card (www again) and got approved.

End of story.



Here is some common sense

do not bounce checks

do not make late payments (phone, utilities). They will report if you are a bad customer, but they will not report, if you are a good customer.

do not apply for credit frequently. It makes you look desperate. This includes applications at x.com. Basically everybody who requests your social security number is suspicious.

do purchase things on payments.
I hate this advice! Upon arrival in California, I had bought a 12-year old car and paid cash. Big mistake. Buying a car is a good way to get a creditor.

Know that Discover card is useless to build credit.
Like utilities, they will report to the agency only the bad customers but not the good ones.


A list of creditors for the beginner

secured credit card
worked best for me and it has a real value.
department store card
no deposit needed, limited use. (I did not visit that store very often)

gasoline charge cards
easier to get than real credit cards and useful.

buy your car on payments
I don't know whether that dealer would have sold me on payments, but for immigrants who need a car anyway, it's worth a try.


Good luck![/QUOTE]

Moja pitanja koja proizlaze od gorenavedenog primera za forumaske amere:

Dali je lako izvaditi store i gasoline cards i kakva je procedura?
O kakvom security credit sa ratio 1:2 i 1:3 govori?
Dali samo preko credit uniona to radi i na koji nacin?
Ja od ranijih primera koji ste naveli ovde sam shvatila da takav kredit na checking ili saving account ide 1:1.
Jel ovo preko credit union-a nesto drugo?

[xeg]

[QUOTE=Olivera;4909]O kakvom security credit sa ratio 1:2 i 1:3 govori?[/QUOTE]
U startu dobijes 1:1 a nakon par meseci redovnosti u placanju oni ti poveruju da ces i u buduce tako redovno placati pa dobijes 1:2 pa kasnije 1:3...

[Lucky]

Ljudi ne treba toliko mistifikovati credit history.

1.Dodjete
2.posle mesec dva prijavite se za secure credit card sa npr $200 depozita i isto toliko limita.
3.tu karticu otplacujete na vreme kao i sve racune za vodu i struju
4.posle 6 meseci otprilike pocece da na vasu adresu stizu ponude za druge kartice i to je to

Fantastichan kreditni skor bi vam trebao samo ako hocete da kupujete novi auto sa 0% ili ako se resite da kupite kucu ili stan. Za sve ostalo mozete imati i prosecan i iznad prosecan kreditni skor.

Dakle nema potrebe da se time toliko opterecujete, samo sve placajte na vreme i pre tzv due date.

[srdjevic]

Slušajte Lucky-ja, čovek je totalno u pravu.

Ja sam u Bank of America (ne znam kako) dobio secured sa 1:5, kanda. Dadoh im $99, a dobio $500.

[dreamerns]

Uff...covece kako ovi ameri zakomplikovase zivot. Generalno, ako si (ono sto smo svi mi) imigrant, mozes zaradjivati milion dolara mesecno....bole ih...ima da se namucis dok ne napravis credit history i dok ti ne daju kredit. Ako si amerikanac od 18 godina i ides tek na studije, bacaju ti kreditne kartice...mole te da ih uzmes...ma covece, mozes ici u kredit koliki hoces...samo da si njihov rob doveka. U tome je i cela caka, ti kao emigrant iz neke nikad cuo zemlje uvek mozes tamo i da se vratis...zato im toliko vremena i treba da steknu sigurnost u tebe.

U svakom slucaju, ono sto meni i dalje nije jasno u celoj prici je...kolike su kamate na kredite (koje ti njima placas)?
Da vidim da li sam ovo sa secured credit card dobro shvatio, ti im das 1000$, onda uzmes od njih 1000$ i otplacujes tih 1000$ kao kredit, a na kraju ti oni vrate tvojih prvobitnih 1000$ sa nekom kamatom? jesam li u pravu?
Jos jedna stvar mi nije jasna....jer treba odmah traziti secured credit card cim otvoris checking account ili ne? Kada uzmes kredit, kako to otplacujes, jer ti se automatski skida sa racuna, ili imas neki poseban racun na koji prebacujes pare?
Sta je revolving credit?
Moram priznati da se ovih banaka najvise bojim...da ne zaserem s oprostenjem nesto u startu, kasnije me 7 godina bog otac izvaditi nece :-)

[Olivera]

[QUOTE="dreamerns"]Jos jedna stvar mi nije jasna....jer treba odmah traziti secured credit card cim otvoris checking account ili ne? Kada uzmes kredit, kako to otplacujes, jer ti se automatski skida sa racuna, ili imas neki poseban racun na koji prebacujes pare?
Sta je revolving credit?[/QUOTE]

Kolko sam ja naucila od interneta ide ovako:
Dali ces traziti secured odmah ili ne ovisi o tome koliko brzo zelis da pocnes graditi svoju credit history.
Kada uzmes kredit otplacujes ga svakog meseca kada ti dodje faktura za uplatu ili mozes napraviti da to ide preko trajnog naloga sa tvog racuna (u drugom slucaju treba paziti da kad se realizira trajni nalog ima pare na tvom racunu).
Revolving credit su pozajmljena svota novca (u obliku kredita) koji vrcas u equal mesecnim anuitetima i koji se obnavlja svaki put kad ubacis pare. Oni oduzmu kamatu od onog sto je ubaceno i ostatak ti ponovo mozes koristiti.
Zacarani krug gde te oderu od kamate. :no:

Evo sto sam nasla kao kredite za ljude sa low, bad i no credit history [U][URL="http://www.credit.com/products/credit_cards/secure.jsp"]ovde[/URL][/U].
samo me interesuje zasto kad su sve 4 nevedene kartice sa depozitom kao osiguranje kamata kod VISA card je 9.99%, a kod Master card je 19.50% ?
Dali zato sto kod master card stoji da oni reportiraju score to all 3 bureaus, a kod VISA pise samo:credit bureau reporting? (U jednom li samo?)
A, sta mislite? :blink: