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我认为副卡对建立CREDIT HISTORY作用不大. 象很多夫妇以丈夫为主申请人, 丈夫去世后, 妻子没有CREDIT HISTORY. 请参考文中的方法: DEPARTMENT STORE CARD或者用DEPOSIT 方式.

本文发表在 rolia.net 枫下论坛How to Establish Credit
There are a number of ways to establish credit. If you have a steady income and have lived in the same area for at least a year, try one of these approaches:

Apply for credit with a local business, such as a department store or a local bank or credit union. These local merchants may have lower credit standards than larger lenders.
Apply for credit with an oil company or local department store.
Take out a small loan from a local bank or credit union-even if you have no immediate need for the money. Make payments on time and consider the interest expense an investment in establishing a good credit history.
Take advantage of secured lines of credit offered by some lenders. By depositing a specific amount into a special account, you receive a credit card with a limit that equals your deposit. (For example, if you deposit $1,000, your credit limit will be $1,000.)
Before you apply for credit, make sure the creditor or lender reports credit history information to one of the credit bureaus so you can build your credit history.
Pay Your Bills on Time
Although creditors have different criteria for granting credit, there are a number of actions which most creditors rank as indicative of a poor credit risk, including:

Frequent late payments
Unpaid bills
Repossessions
Accounts turned over to a collection agency
Legal judgments
Liens
Bankruptcies
Paying your bills on time is the best way to maintain a good credit rating and be considered a good credit risk. However, there are a number of legitimate circumstances which can cause you to become behind in your payments, such as illness, injury, or the loss of your job.

Talk to Your Creditors
If you begin to fall behind in your payments, contact your creditors immediately. Most are willing to work out an alternative payment schedule with you if you expect to repay your loan or balance within a reasonable period of time.

Creditors and lenders want to collect their money at the least possible cost. By working with you before the situation becomes critical, they can save time and money on collection efforts, and they know up front when to expect payment.更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下家园 / 理财投资税务 / 我申请到一张副卡。看起来和主卡没有任何区别,当然名字是我的,信用卡号和主卡一样,除此,申请过程中再没有我的任何详细信息了。我能按月pay主副两张卡吗?这能建立我自己的信用记录吗?
    • 没用:(
    • 不能建立
    • up。饺子,你有没有这方面的建议?谢谢。
    • 副卡是不能PAY的, 都是主卡一起PAY. 不过, 用副卡可以积累信用, 只是慢些. 通常副卡使用一段时间后, 就可以自己申请主卡了.
    • In fact, they are the same number, so they are the same card. You are not paying the card, you are paying the account. But the credit history is for the main applicant, not yours.
      You are just helping the main applicant to establish his/her credit history.
    • There are two kinds of second card. You have liability on just one kind. There is different application process for two kinds of second card.
      • 谢谢以上各位。我拿了一张free的secondary CIBC classic,不知道属于哪一种?
    • 我认为副卡对建立CREDIT HISTORY作用不大. 象很多夫妇以丈夫为主申请人, 丈夫去世后, 妻子没有CREDIT HISTORY. 请参考文中的方法: DEPARTMENT STORE CARD或者用DEPOSIT 方式.
      本文发表在 rolia.net 枫下论坛How to Establish Credit
      There are a number of ways to establish credit. If you have a steady income and have lived in the same area for at least a year, try one of these approaches:

      Apply for credit with a local business, such as a department store or a local bank or credit union. These local merchants may have lower credit standards than larger lenders.
      Apply for credit with an oil company or local department store.
      Take out a small loan from a local bank or credit union-even if you have no immediate need for the money. Make payments on time and consider the interest expense an investment in establishing a good credit history.
      Take advantage of secured lines of credit offered by some lenders. By depositing a specific amount into a special account, you receive a credit card with a limit that equals your deposit. (For example, if you deposit $1,000, your credit limit will be $1,000.)
      Before you apply for credit, make sure the creditor or lender reports credit history information to one of the credit bureaus so you can build your credit history.
      Pay Your Bills on Time
      Although creditors have different criteria for granting credit, there are a number of actions which most creditors rank as indicative of a poor credit risk, including:

      Frequent late payments
      Unpaid bills
      Repossessions
      Accounts turned over to a collection agency
      Legal judgments
      Liens
      Bankruptcies
      Paying your bills on time is the best way to maintain a good credit rating and be considered a good credit risk. However, there are a number of legitimate circumstances which can cause you to become behind in your payments, such as illness, injury, or the loss of your job.

      Talk to Your Creditors
      If you begin to fall behind in your payments, contact your creditors immediately. Most are willing to work out an alternative payment schedule with you if you expect to repay your loan or balance within a reasonable period of time.

      Creditors and lenders want to collect their money at the least possible cost. By working with you before the situation becomes critical, they can save time and money on collection efforts, and they know up front when to expect payment.更多精彩文章及讨论,请光临枫下论坛 rolia.net
      • 谢谢饺子。我去sears申请,被锯。去银行申请,被锯。canadian tired还没消息。副卡倒是很快就来了。因为我不符合居住满一年的条件?有收入也不管用。万事开头难,难也难不过申请第一张credit。
        • 不会这么难吧! 有工作还申请不到? 不然你试试抵押卡吧, 比如定存一年$1000,就可申请一个CREDIT LINE $1000的. 信用也就建立起来了.
          • 我觉得申请失败也会有记录的吧?我刚来时,第一次申请失败了。以后怎么申请都不行。现在人家一查,我全是失败纪录,可能更不给我了。估计我这辈子只能用银行卡了。倒霉死了:(
            • 失败是有记录的, 或许你太性急了吧. 但是, 总不会永远拒绝你. 或者试试问问你的主开户行(每月工资都存在那里), 你的情况如何可以办信用卡?什么时候能办?由于你每月都存支票进去, 他们会了解你的收支情况, 大概会好些.
            • 我的信用卡是Scotia Bank的Visa.我来加后一个月就拿到了.条件是存1200$,一年期限.我觉得这是新移民拿信用卡最好的办法.
        • 如果实在不行就用饺子文中的定期存款抵押方式申请(TD据说是每$1300给1000的limit),这种卡可以帮助建立信用记录,将来可以在申请到正式信用卡后取消这张卡,从而可以取消抵押的定期。