Скачать или смотреть How to build your credit with credit cards in the USA

How do you get credit cards, if you are an immigrant? How to build your credit with credit cards in the USA and build a perfect credit score.

Credit cards play a vital role in building credit score. For starters, most of the things depend of good credit score. In order to get auto loan, home loan, good job, renting a nice apartment, and so forth will require credit check and good credit score.

Get a secured credit card
Practice good credit habits

Try to make your payments on time and pay at least the minimum if you can. Paying credit card or loan payments on time, every time, is the most important thing you can do to help build your score. If you are able to pay more than the minimum, that is also helpful for your score.

If you use credit cards, keep your credit utilization low — utilization is the percentage of your credit limit you use. We recommend keeping your credit utilization below 30% on all cards when possible. The lower your utilization, the better it is for your score.

Avoid applying for multiple credit accounts close together; applications for credit can cause a small, temporary drop in your score. Multiple applications can cause significant damage. NerdWallet recommends spacing applications by about six months if you can, and researching the best credit card for your needs before you apply. Note that multiple applications for auto loans or mortgages within a short span of time will be grouped into one as "rate shopping."

Keep credit card accounts open. Unless you have a compelling reason to close an account, like a high annual fee or poor customer service, consider keeping it open. You can also explore downgrading it or transferring your credit limit to another card. Closing an account can hurt your credit utilization and reduce your average account ag



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