Ako Bilang Isang Mag Aaral Essay About Myself

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Sa likod ng aking isip alam ko na kung nais kong upang ilipat sa labas ng komportable karton box apartment aking ama sa Queens at itigil ang buhay ang buhay ng isang third wheel nakakaabala malapot romantikong dinners sa pagitan niya at ng kanyang girlfriend, gusto ko upang makakuha ng isang apartment ng aking sarili. At upang gawin iyon, kahit na ako ay may pera, nagkaroon ng isang bagay na hindi ko kinailangang - isang linya ng credit.

nagpunta ako upang bisitahin ang aking ina sa Chicago ng ilang taon likod habang ako ay isang primer anyo sa kolehiyo at doon kami ay nagpasya na mag-aplay para sa isang credit card sa Chase - sila ay tinanggihan sa akin - kaya Sinubukan kong muli. Ito oras sa Capital One - ako ay credit card naaprubahan. Ito ay ipinadala sa koreo - napakakintab. Nakatanggap ako ng 300 dollar limit pero itong ma-upo sa aking wallet mula noong katapusan ng Agosto - malinaw na pagbuo sa linya ng credit tulad ko inilaan.

Forbes nagsasabing "kung epekto nito ay kapaki-pakinabang o mapanganib ay depende sa kakayahan at kaalaman ng mga user ..."

Ako ay may pa upang i-activate ang aking card dahil hindi ko naintindihan ang tunay na layunin ng card at kung paano ang maaari kong gamitin ito upang makinabang sa akin.

>>> Kaya bakit ay nagkakaroon ng isang credit card mahalaga?

Thesimpledollar.com balangkas 4 mga benepisyo ng pagkakaroon ng isang magandang credit iskor:

1. Employer patakbuhin ang iyong credit.

Employer ay maaaring patakbuhin ang iyong credit score upang makilala kung ikaw ay isang maaasahang kandidato para sa trabaho. Bilang ng ngayon, kung ang isang employer sinubukan upang patakbuhin ang aking credit, halos ako ay makakuha ng up at makita ang aking sarili out.

2. Protection mamimili

Kung ang isang tao nakaagaw ng iyong pagkakakilanlan at binili sa isang libong mga pelikula mula sa isang Red Box sa North Carolina at kinumpleto ito na may ilang mga M & Ms at popcorn, kami ay maaaring hindi ganap screwed. Credit ay nag-aalok ng mahusay na proteksyon ng mamimili. Cards ay madalas na nag-aalok ng proteksyon laban sa pandaraya, pagnanakaw ng pagkakakilanlan at iba pang mga puso pagpapahinto sitwasyon tulad ng isang ito. Samantalang kung babayaran namin sa cash maaaring hindi namin inaalok ang mga proteksiyon.

3. Upa ng apartment

Kung mayroon kang isang FICO score na 840 na walang mga bastos na maghindot-sniffing bata sa paningin, ang apartment ay sa iyo. BINGO! Kung nais mong magrenta ng apartment, walang credit ay maglakad up ang iyong paunang deposito at dahil diyan may masamang credit na sa iyo ang alinman gotta ay may isang paraan sa mga salita o ang isang taong handang co-sign (o napakahusay na reference titik mula dating panginoong maylupa). Yaong na may magandang credit dalhin ang iyong apartment, iwagayway paalam at pagtawanan mo mula sa kanilang mga bintana.

4. Rate Insurance

Kung mayroon akong isang mataas na credit iskor, ito sa mga kompanya ng seguro ay nangangahulugan na pang-istatistika na ako mas malamang na maging isang mas ligtas na driver, homeowner at mas malamang mabubuhay hanggang sa ang tungkol sa 110 - sa halip na isang taong may isang mas mababang credit score kaysa sa akin. Hindi kapani-paniwala! Ang pagkakaroon ng isang mas mataas na credit score pinabababa ang aking mga rate ng insurance sa homeownership insurance, car insurance at seguro sa buhay.

Kapag naramdaman mo ang oras ay tama, na iyong nakuha ng isang matatag na hawakang mahigpit sa kung ano ang card ay ginagamit para sa at kung paano gamitin ito sa iyong kalamangan ...

>>> Kumuha ng isang credit card na akma para sa iyo.

Hindi lahat ng credit card ay pareho. Ang ilang mga nag-aalok ng mga benepisyo, ang iba ay nag-aalok premyo. Hindi alintana, bigyang-pansin ang mga rate ng interes at taunang bayad at ihambing ang iyong mga pagpipilian.

>>> Gamitin ito para sa mga maliliit na gawain ng mga pagbili.

Bayaran ang iyong buwanang grocery shopping o sa iyong buwanang Netflix bill. Ito ay maaaring tunog lohikal ngunit lamang gamitin ang mga card para sa mga pagbili sa iyong makakayanan. Huwag magdala ng balanse sa card.

>>> Magbayad sa oras at sa buong bawat buwan.

Ayon sa nerdwallet.com, "Kung stick ka lang sa paggamit ng card para sa routine pagbili, dapat mong magkaroon ng walang problema kung ano pa man kumikita ang iyong buong bill sa bawat buwan. Sa gayon, hindi ka makaipon ng utang na bumubuo ng interes. "

Upang aktwal na bumuo ng credit ay maaaring kailangan ko upang punasan ang dust off ang aking card at hindi lamang i-activate ito, ngunit gamitin ito. Gumamit ng isang credit card bilang isang kasangkapan para sa na magagamit dahil ito ay tulad ng madaling maghukay ka sa isang madilim, walang katapusang butas ng utang.

Hannah Teicher

Hannah Teicher ay isang estudyante sa Baruch College pag-aaral Finance. She enjoys hiking, Mexican food at mahabang car ride.

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