سجل كمعلم
Building strong credit
نص القصة المصورة
- الانزلاق: 1
- Hey, Brad. Do you know how to build strong credit?
- Of course, James! I will use examples such as secured card, paying on time, keeping balances low, or being an authorized user and its pros and cons
- الانزلاق: 2
- First off, A secured card helps build credit by requiring a cash deposit while you prove you can use credit responsibly.
- Secondly, making every payment by the due date builds a strong payment history, the most important for your credit.
- Also using only a small portion of your credit limit shows lenders you can manage debt responsibly.
- Lastly being added to someone else’s credit card account can help you benefit from their positive credit history.
- الانزلاق: 3
- But there are cons to these methods.
- Missed on payments on your card can still hurt your credit.
- Also missing even one payment can significantly lower your credit score.
- Keeping a low balance can be difficult to maintain if you overspend or have a low credit limit.
- Lastly, your credit can be harmed if the main account holder misses payments or carries high balances.
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