//dat ga dap ung 1 Learning about the credit system in the United States and how to have good credit Part 2

Learning about the credit system in the United States and how to have good credit

II.- 5 main findings of the creation of credit points:

1. 35% of the home loan installments: If in the past never pay rent, charge card late is a decent FICO rating structure
2. 30% of the cash is owed: This is the measure of obligation contrasted with credit your allowed
3. 15% of the time you have credit: Total acknowledge all you have as far as might be feasible
4. 10% of the Mastercard is utilized: If you have an excessive number of Visas keep going for one brief period would likewise cut financial assessment. On the off chance that more space for up to ask your credit record is bad.
5. 10% of new credit: the aggregate of all Mastercards, card dealers, and home loan obligation reimbursement is likewise an imperative piece of your financial assessment. 

III.- Tips and tricks about credit cards

 

Trick 1: Bargaining for a low loan fee 

In the event that you have a high FICO rating, then call the Visa organization and arrange your offer you a low loan fee and abandon some to pay yearly charges, since that organization will lose a great deal of cash to locate a decent credit clients like you and you can get a financing cost of somewhere around 6% and 9% effortlessly. 

On the off chance that your credit is not all that great or you're hoping to assemble credit, you realize that on the off chance that you paid reasonably and on time of 6 months and 6 months, then you can request that they diminish your loan cost you (each down 3%) don't? Then again you can apply the credit to expand the quantity of candles you've paid decently, inside 6 months. 

Trick 2: Pay off obligation or attempt to pay off at the earliest opportunity. 

Never pay the full least some demonstrated on the receipt all the credit since you will never pay off the obligation. That is the trick of profiting. For instance, you owe $ 1,000.00 with the loan fee of 18% you pay with $ 20.00 one month, you need to take 10 years to pay back the obligation $ 1,000.00 and amid the 10 years that you need to pay $ 2,000.00 own advantage. So it is best to pay up every time until all obligations. 

Trick 3: Be careful tricks of the expenses that charge card organizations surreptitiously put into escrow: 

 
Pay consideration on the expenses of:
a.- when shutting accounts
b.- not utilize charge cards in one certain period
c.- when records were completely paid off
d.- when did ineffectively on the credit permitted
e.- every card 

It must be noted painstakingly perused the standards of being in a little charge and embeddings it into the agreement before marking. Sa chicken pen that.Nen calls charge card organization and request that they translate itemized and demonstrate the reason every expense.