como empezar hacer credito en estados unidos Cómo usar bien una tarjeta de crédito en estados unidos

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If you are planning on living or doing business in the United States, having a good credit score is essential. Building a strong credit history in the US takes time and effort, but it can open up many opportunities for you, such as getting a loan, renting an apartment, or applying for a credit card. Here are some tips on how to establish credit in the US easily.

Apply for a secured credit card

If you don’t have a credit history or have a low credit score, a secured credit card is an excellent option to build or rebuild your credit. A secured credit card requires you to make a deposit that will serve as collateral for your credit limit. Use your secured card responsibly and pay your bills on time every month to build your credit history and boost your credit score. After some time, you may be eligible for an unsecured credit card, which does not require a deposit.

woman holding a credit cardGet added as an authorized user on someone else’s credit card

If you have a family member or friend who has a good credit score, you may ask them to add you as an authorized user on their credit card. Being an authorized user allows you to use the card but does not hold you liable for the balance. The primary cardholder’s payment history and credit limit will appear on your credit report, which will help you establish credit. Make sure to agree on how you will use the card and how you will pay for your charges.

Apply for a credit-builder loan

A credit-builder loan is designed to help you build or rebuild your credit score. A credit-builder loan is like a personal loan, but you don’t receive the funds upfront. Instead, the lender puts the money into a savings account, and you make monthly payments towards the loan. At the end of the loan term, you receive the money plus any interest earned. The payment history is reported to the credit bureaus, which helps you establish credit.

Hilton Honors Aspire Credit CardApply for a credit card with a co-signer

If you can’t qualify for a credit card on your own, you may ask someone with a good credit score to co-sign for you. A co-signer is someone who agrees to be responsible for the debt if you fail to repay it. The co-signer’s credit score will also be impacted by your actions, so make sure to use the card responsibly and pay your bills on time.

Building credit in the US takes time and patience, but it is worth the effort. By establishing a good credit score, you can access more financial opportunities and take control of your financial future.

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