s**********0 发帖数: 2798 | 1 有两张副卡,已用半年,但是信用分数不见涨,是因为没给ssn吗. 但是Chase从来没要
过,不知道是不是要自己去加上 |
g*****i 发帖数: 4457 | 2 u gonna b joint acct holder, not authorized user only
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【在 s**********0 的大作中提到】 : 有两张副卡,已用半年,但是信用分数不见涨,是因为没给ssn吗. 但是Chase从来没要 : 过,不知道是不是要自己去加上
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s**********g 发帖数: 14942 | 3 usually authorized user helps nothing on ur credit
u need to be a joint or primary holder to have real credit history
now probably u have no valid credit history
if u apply for a credit card now, they will mostly rule out the authorized
cards and view you as with no history
【在 s**********0 的大作中提到】 : 有两张副卡,已用半年,但是信用分数不见涨,是因为没给ssn吗. 但是Chase从来没要 : 过,不知道是不是要自己去加上
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i**y 发帖数: 1339 | 4 副卡也会出现在你的信用记录上的,要一份报告看看。Amex的副卡尤其有提升信用分数
的作用,前提是主卡持有人信用好。你这多半是记录太短的缘故
【在 s**********0 的大作中提到】 : 有两张副卡,已用半年,但是信用分数不见涨,是因为没给ssn吗. 但是Chase从来没要 : 过,不知道是不是要自己去加上
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a****y 发帖数: 2548 | 5 amex账单把主卡副卡的使用分列,应该是对副卡人信用有帮助。
[发表自未名空间手机版 - m.mitbbs.com]
【在 i**y 的大作中提到】 : 副卡也会出现在你的信用记录上的,要一份报告看看。Amex的副卡尤其有提升信用分数 : 的作用,前提是主卡持有人信用好。你这多半是记录太短的缘故
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b*****e 发帖数: 53215 | 6 副卡使用者又不还钱,何来的信用
【在 a****y 的大作中提到】 : amex账单把主卡副卡的使用分列,应该是对副卡人信用有帮助。 : : [发表自未名空间手机版 - m.mitbbs.com]
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i**y 发帖数: 1339 | 7 只要信用报告上有这张卡,就是积累信用。不信你就自己pull一个report看看
【在 b*****e 的大作中提到】 : 副卡使用者又不还钱,何来的信用
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s**********g 发帖数: 14942 | 8 it is collected by credit bureau
and also counted in credit report
so u can see ur credit history length changes accordingly
However, if you go and apply for a new card, it is simply disregarded by the
CSRs
someone asked chase before about this...
(although it is also possible that that was a wrong answer from a newbie CSR
, still it shows this risk)
【在 i**y 的大作中提到】 : 只要信用报告上有这张卡,就是积累信用。不信你就自己pull一个report看看
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s**********g 发帖数: 14942 | 9 and I remember only Amex authorized card will ask for SSN and make u a
credit history
if u only have an authorized card from, e.g., Citi, u won't have a credit
history
the
CSR
【在 s**********g 的大作中提到】 : it is collected by credit bureau : and also counted in credit report : so u can see ur credit history length changes accordingly : However, if you go and apply for a new card, it is simply disregarded by the : CSRs : someone asked chase before about this... : (although it is also possible that that was a wrong answer from a newbie CSR : , still it shows this risk)
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i**y 发帖数: 1339 | 10 Amex started doing this in 2011, after they shameless claimed they were a "b
ank" and got the bail out money. So now they have to "know their customer" a
ccording to Federal Regulations. That is why they are asking for SSNs for AU
s now.
【在 s**********g 的大作中提到】 : and I remember only Amex authorized card will ask for SSN and make u a : credit history : if u only have an authorized card from, e.g., Citi, u won't have a credit : history : : the : CSR
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s**********0 发帖数: 2798 | 11 看了大家的讨论,看来还得等。副卡也还钱了,不过只能给LG积累信用。反正有卡用,
也不急,哎 |
s**********g 发帖数: 14942 | 12 u still should think about ur own credit
start building ur credit history asap is usually good
【在 s**********0 的大作中提到】 : 看了大家的讨论,看来还得等。副卡也还钱了,不过只能给LG积累信用。反正有卡用, : 也不急,哎
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