Author: Amy Cooper-Arnold 作者：艾米库珀阿诺德
Article source: http://www.loanlinks.info/ . 文章来源： http://www.loanlinks.info/ 。 Used with author's permission. 用作者的许可。 Whether you have no credit or damaged credit, secured credit cards are a good tool for building a good credit history.无论您有没有信用卡或损坏的信贷，担保信用卡是一个很好的工具，建立良好的信用记录。 Several months ago Tom, a member of CreditBoards.com , filed for a Chapter 7 Bankruptcy.几个月前汤姆，一个成员CreditBoards.com ，提交了第7章破产。 Now he is in the process of rebuilding his credit history.现在，他是在重建过程中他的信用历史。 It's a task that is not easy, but with patient persistence he is seeing progress already.这是一个任务，是不容易的，但患者坚持，他看到已经取得进展。 Daily he checks his credit score and is slowly seeing improvement.他每天检查他的信用评分，并正在缓慢地看到改善。 1 - In addition to correcting every mistake, even the smallest ones, on his credit report, he is using a secured credit card. 1 -除了纠正每一个错误，即使是最小的，他的信用报告，他是使用信用卡担保。 2 - This secured card is an important tool in the overall process of building or rebuilding credit. 2 -这种担保卡是一个重要的工具在整个过程中建立或重建贷款。 Who should consider a secured credit card?谁应考虑有担保的信用卡？ Someone who has no credit history.有人谁没有信用记录。 Someone with a damaged credit history.有人以破坏信用记录。 What is a secured credit card?什么是信用卡担保？ Secured cards are credit cards opened with a deposit into a savings account, money market or certificate of deposit.担保卡是信用卡开局存入储蓄帐户，货币市场或存款证。 The amount of deposit required varies from card to card, but generally minimum amounts range from $250 - $500.数额的存款需要不同的卡，卡，但一般最低数额从250美元-5 00美元。 These funds are considered your security and will even earn a little interest since they are being held in a savings account.这些资金被认为是您的安全，甚至会获得没有多大兴趣，因为它们是被关押在一个储蓄帐户。 Your credit limit is determined by the amount you deposit into the savings account.您的信用额度是确定的金额存入储蓄帐户。 Sometimes the limit will be for the full amount of the deposit; other times it will be a percentage of the total.有时限制将充分存款金额;其他时间将是一个所占比重。 It is important to keep in mind that a secured card is a credit card, not a debit card.重要的是要记住，有担保的信用卡是信用卡，而不是借记卡。 If full payments are not made each month, then interest is charged on the outstanding balance.如果全额缴纳不作出每月，然后收取利息就悬而未决的平衡。 And the lending institution uses the security money to pay off the debt only as a last resort.和贷款机构的安全使用金钱来支付债务只能作为最后的手段。 Even though the card is secured, it is still possible to damage credit.即使是信用卡担保，但它仍然有可能损害信贷。 What are the benefits of a secured credit card?有什么好处有担保的信用卡？ Establishing credit.建立信贷。 If you have never had a credit card, a good first step in establishing good credit is applying for a secured credit card.如果你从未有过一张信用卡，一个良好的第一步，建立良好的信用申请担保信用卡。 Assistant Professor of Economics at Austin Peay State University in Clarksville, TN, Jerry Plummer says, "A secured card is most useful for the person starting out on their credit history, since it says that the person is willing to take the extra step to establish credit."经济学助理教授奥斯汀Peay州立大学的克拉克斯维尔， TN和杰里卢默说， “担保卡是最有用的人开始在他们的信用历史，因为它认为，人是愿意采取额外的步骤建立信贷。 “ Reestablishing credit.重塑信用。 If your credit history is damaged, you may only be able to qualify for a secured credit card.如果您的信用记录已损坏，您可能只能够有资格获得担保的信用卡。 Using this secured card appropriately and within the set parameters will help rebuild your credit and qualify you for an unsecured card.利用这种担保卡和适当的范围内设定参数将有助于重建您的信用卡和资格你给我一个无担保的信用卡。 If you have had to file for bankruptcy, however, you may not qualify until it has been discharged.如果您已经申请破产，但是，您可能没有资格直到它已出院。 Preset limit cannot be exceeded.预设限制不能超过。 If poor spending habits were part of the cause for bad credit, then a secured credit card will help keep spending in check.如果穷人消费习惯的一部分的原因，信用不良者，然后有担保的信用卡将有助于防止检查的开支。 Useful for transactions that require a credit card.有益的交易，需要信用卡。 Hotels and car rentals require the use of a credit card.酒店和租车需要使用信用卡。 If you don't qualify for an unsecured card but you do for a secured card, then you are still able to make the transaction.如果你没有资格获得无担保信用卡，但您做担保卡，那么你仍然可以使交易。 What should I look for or avoid when shopping for a secured credit card?我应该怎么寻找或避免购物时的有担保的信用卡？ Fees.费。 This is the area you will really want to research when shopping for a secured credit card.这是该地区你会真的想购物时研究为有担保的信用卡。 Some cards will come with fees that run into the hundreds of dollars, eating away much of the credit you secured with the savings account.有些卡将与运行费用，到几百美元，蚕食大量信贷担保你的储蓄帐户。 Professor Plummer says a card with no fee is the best, but a small one-time fee can be okay.教授卢默说，卡不收费是最好的，但一个小的一次性费用可不错。 Annual fees for attractive secured cards typically range from $20-$35.年度费用担保卡有吸引力的范围通常从$ 20 -$ 3 5。 Be sure to watch out for hidden fees such as "registration charges" and "setup fees."一定要小心隐藏的费用，如“注册费”和“安装费。 ” Interest Rate.利息。 Just because you have no or poor credit doesn't mean you have to settle for the highest interest rate.只是因为你没有或穷人信贷并不意味着你已经解决的最高利率。 Interest rates for attractive secured cards should not exceed 19%.利率有吸引力的担保卡不应超过19 ％ 。 Shop around and get the most competitive rate available.货比三家，让最有竞争力的可用率。 Read the fine print.阅读罚款打印。 Linda Tucker, Director of Education for Consumer Credit Counseling Service for Arkansas and Memphis, TN, stresses the importance of reading the fine print.琳达塔克，教育署署长的消费信贷咨询服务为阿肯色州和孟菲斯，田纳西州，强调必须读印刷的罚款。 Doing so will let you know your exact obligations to the issuing company: for example, the grace period, what happens if you don't make a full payment, and what fees are attached if you don't make the full payment.这样做将让您知道您的确切义务，发行公司：例如，在宽限期内，发生的事情如果你不作全额付款，什么附加费如果你不作全额支付。 Understanding these details will help make sure you are not further damaging your credit.了解这些细节将有助于确保您不会进一步损害您的信用卡。 Fraudulent Offers.欺诈优惠。 As with unsecured cards you need to watch out for fraudulent offers.The Federal Trade Commission gives the following advice to protect yourself from credit card fraud:至于无担保的卡你需要提防欺诈offers.The美国联邦贸易委员会给出了以下建议，以保护自己免受信用卡诈骗： - Offers of easy credit.提供宽松的信贷。 No one can guarantee to get you credit.没有人可以保证让你贷款。 Before deciding whether to give you a credit card, legitimate credit providers examine your credit report.在决定是否给你一张信用卡，信贷提供者的合法检查您的信用报告。
- A call to a '900' number for a credit card.打电话给'900 '号码信用卡。 You pay for calls with a '900' prefix -- and you may never receive a credit card.您需要支付的'900 '前缀-你可能永远不会接受信用卡。
- Credit cards offered by "credit repair" companies or "credit clinics."信用卡提供的“信用修复”公司或“信用诊所。 ” These businesses also may offer to clean up your credit history for a fee.这些企业还可以提供清洁您的信用记录为费用。 However, you can correct genuine mistakes or outdated information yourself by contacting credit bureaus directly.不过，您可以正确的真正的错误或过时的信息联系自己信用分社直接联系。 Remember that only time and good credit habits will restore your credit worthiness.请记住，只有时间和良好的信用习惯将恢复您的信用。
When will I qualify for an unsecured credit card?当我将资格无担保信用卡？ It can take several months to see an improvement in your credit history.它可以数个月时间来见改善您的信用记录。 Bankrate says it's a good indicator when you start receiving flyers in the mail for unsecured cards that your credit is improving. Bankrate说，这是一个很好的指标当你开始接收传单在邮件中无担保卡，您的信用卡正在改善。 However, it's a good idea to continue taking things slowly.然而，这是一个好主意，继续考虑的事情进展缓慢。 Using a secured card will help you learn healthy habits so that when you do get an unsecured credit card you remain in control of your spending and credit.用担保信用卡将帮助您了解健康的习惯，这样，当你真的无担保的信用卡你留在控制自己的支出和信贷。 Where can I find a secured credit card?我在哪里能找到担保的信用卡？ Most companies don't advertise secured cards.大多数公司不做广告担保卡。 But you can visit the Card Reports section of http://www.CardRatings.com to find out where and how to apply.但是你可以访问卡报告部分http://www.CardRatings.com找出何处以及如何适用。 Click on the link entitled "Cards for Consumers with Poor or No Credit".点击链接题为“卡消费者与贫困或无信用” 。 Other tips其他秘诀 Tom recommends sticking with only one or two cards and keeping spending to a minimum.汤姆建议坚持只有一种或两种卡和维持开支到最低限度。 The goal is to pay the card off each month.我们的目标是支付卡每个月关闭。 Tucker emphasizes the importance of paying the amount due each month; otherwise late fees can be charged, interest rates raised, privileges lost, and credit history negatively affected.塔克强调必须支付的数额每月否则滞纳金可被控告，利率提高，失去了特权和信用记录产生负面影响。 Make sure you are getting a credit card as opposed to a gas card or a department store card.请确保您已获得的信用卡，而不是煤气卡或百货公司卡。 Make sure a reputable bank or credit union, even a local one, is issuing the card.请确保信誉的银行或储蓄互助社，甚至是当地的一个，正在发行的信用卡。 And, don't automatically assume a bank is issuing the card. ，并不会自动承担银行发行的信用卡。 Not all issuers report to the three major credit agencies (Experian, Equifax, and TransUnion).并非所有的发行报告的三个主要信贷机构（ Experian的的Equifax ，和TransUnion ） 。 It's important to get a card that does report to all three agencies; otherwise you will be wasting your time.重要的是要得到卡，不报告，所有三个机构，否则你将浪费您的时间。 Fortunately, secured cards normally report to the credit agencies just like unsecured cards (you should verify this before applying).幸运的是，担保卡通常报告，信贷机构就像无担保卡（您应该验证这一点，然后再应用） 。 If you have filed for bankruptcy, you may need to wait until it has been discharged before qualifying for a secured card.如果您已经申请破产保护，您可能需要等待它已出院预选赛之前有担保卡。 Get one only if you cannot get credit, since you have no credit record; or if you have poor credit.获取只有一个如果你不能获得贷款，因为你没有信用记录;或如果你有不良信贷。 Plummer says, "Many companies will not even count them as credit, such as automobile F&I (Finance and Insurance) people, although they will not admit it."卢默说， “许多公司甚至不会指望它们作为信贷，如汽车F及I （金融保险）的人，但他们不会承认这一点。 ” So, if you don't really need a secured card, you will be doing more harm than good.所以，如果你不真正需要的担保卡，你会做弊大于利。 Finally, whatever situation you are in, no credit or poor credit, the best way to build good credit is to set up a budget and then stick with it.最后，无论你的情况中，没有信用卡或贷款，最好的办法建立良好的信用是建立一个预算，然后坚持下去。 1 You can pay membership fees to any one of the three credit bureaus - Experian, TransUnion, and Equifax- to be able to check your credit score online daily. 1您可以支付会员费的任何一个的三个信用局-E xperian的， T ransUnion，和E quifax，能够检查您的信用分数线上每天。 Visit our Credit Information section for more details.访问我们的信用信息部分了解详情。 Tom recommends purchasing Microsoft Money 2004, which comes with a one-year membership to Experian (value of $99.00).汤姆建议购买微软金钱2004年，配备了为期一年Experian的成员（价值$ 99.00 ） 。 2 To find out more about correcting errors on your credit report, read our article How to Correct Mixed or Split Credit Reports.二要了解纠正错误您的信用报告，请阅读我们的文章如何正确混合或斯普利特信用报告。 About The Author作者简介 Amy Cooper-Arnold is a staff writer for http://www.CardRatings.com .艾米库珀阿诺德是一个作家的工作人员http://www.CardRatings.com 。 Amy has been employed in various accounting-related positions.艾米一直从事各种会计有关的职位。 She will graduate this December from Austin Peay State University with a degree in English.她将于今年12月毕业从奥斯汀Peay州立大学的学位英语。
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