For many of us, the idea of using secured credit cards isn¡¯t all that appealing. ¿ì¸®ÀÇ ¸¹Àº µé¾î, º¸¾È ½Å¿ë Ä«µå »ç¿ëÀÇ ¾ÆÀ̵ð¾î¸¦ ¸ðµÎ ¸Å·ÂÀûÀ̵ÇÁö ¾Ê½À´Ï´Ù. Nevertheless, it is a great method to establish your credit rating following a bankruptcy. ±×·¯³ª, ±×°ÍÀº ÁÁÀº ¹æ¹ýÀº ´ÙÀ½°ú ±ÍÇÏÀÇ ½Å¿ë µî±ÞÀ» ¼³Á¤ÇÒ ÆÄ»êÀÌ´Ù. As I stated in the previous section, the round robin strategy is ideal for this method of credit rebuilding. ³»°¡ ÀÌÀü ¼½¼Ç¿¡ ¸í½ÃµÈ ¹Ù¿Í °°ÀÌ, ½Å¿ë Àç°ÇÀÇ ¶ó¿îµå ·Îºó Àü·«ÀÌ ¹æ¹ý¿¡ ÀÌ»óÀûÀÌ´Ù.
A secured credit card is really just a term used to describe a credit card that you have prepaid. º¸¾È ½Å¿ë Ä«µå´Â Á¤¸» ´Ü¼øÇÑ ¿ë¾î ¼±ºÒ ½Å¿ë Ä«µå ´ç½ÅÀ» ¼³¸íÇÏ´Â µ¥ »ç¿ëÇÕ´Ï´Ù. How it functions is that you¡¯ll get a credit card limit which is equal to the amount of money that you put in as a deposit. ÇÔ¼ö´Â ¾î¶»°ÔÇÏ¸é ´ç½ÅÀÇ ¿¹±ÝÀ¸·Î ÀÚ±ÝÀÇ ±Ý¾×°ú µ¿ÀÏÇÏ´Ù ½Å¿ë Ä«µå Çѵµ¸¦ äÃëÇÒ ¼öÀÖ´Â °÷ÀÌ´Ù. To those with little experience, this isn¡¯t much more than paying cash and interest for goods and services. ±× ÀÛÀº °æÇèÀ» °¡ÁøÇÏ·Á¸éÀÌ ¾Æ´Ï¶ó ´õ ¸¹Àº Çö±Ý°ú »óǰ°ú ¼ºñ½º¿¡ ´ëÇÑ °ü½ÉÀ» ÁöºÒÇÏ´Â °Íº¸´ÙÀÔ´Ï´Ù. This doesn¡¯t seem like a good idea at first, but I will tell you it is a great way for you to raise your credit score. óÀ½¿¡´Â ÁÁÀº »ý°¢ÀÌ ¾Æ´Ñ °Í °°¾Æ,ÇÏÁö¸¸ ³ ±×°Ô °¡Àå ÁÁÀº ¹æ¹ý¿¡ ´ëÇÑ ±ÍÇÏÀÇ ½Å¿ë Á¡¼ö¸¦ ³ôÀ̱âÀ§ÇÑ °ÍÀÌ´Ù ³ÊÈñ¿¡°Ô ¸»ÇÏÁö ¾Ê°Ú´Ù.
This is reason why secured credit cards were invented. ÀÌ·± ÀÌÀ¯ÀÌ´Ù º¸¾È ½Å¿ë Ä«µå¸¦ ¹ß¸íÇß´Ù. Just as long as you maintain a 70% balance on your credit card and make all payments on time, you are good and this will enable you to raise your credit limit and help you recover from your bankruptcy in the long run. ±×³É¸¸Å ±ÍÇÏÀÇ ½Å¿ë Ä«µå¿¡ ÁöºÒÀ» ÇÒ ½Ã°£¿¡ ¸ðµÎ 70 %ÀÇ ±ÕÇüÀ» À¯Áö, ´ç½ÅÀº ÁÁÀº À§Ä¡¿Í ´ç½ÅÀÌ ´ç½ÅÀÌ ´ç½ÅÀÇ ½Å¿ë Çѵµ¸¦ ÀλóÇϰí Àå±âÀûÀ¸·Î ±ÍÇÏÀÇ ÆÄ»ê¿¡¼ º¹±¸ÇÏ´Â µ¥ µµ¿òÀ» ¼öÀְԵȴÙ.
There are many different kinds of secured credit cards on the market these days and you have to be selective about which ones you should go after. ¿¡ ´ëÇÑ ¼±ÅÃÀû ÈÄ °¡¾ß µÉ »ç¶÷Àº ½ÃÀå¿¡¼ ´Ù¾çÇÑ Á¾·ùÀÇ ½Å¿ë Ä«µå¸¦ È®º¸ ¿äÁò ´ç½ÅÀÌÀÖ½À´Ï´Ù. So many banks and companies are offering them that they compete with many different incentives in order to get you to theirs. ±×·¸°Ô ¸¹Àº ÀºÇà°ú ±â¾÷ µéº¸´ÙÀ¸·Î µ¥·Á ´Ù°¡ ±×µéÀ» À§ÇØ ´Ù¾çÇÑ Àμ¾Æ¼ºê¿Í °æÀïµéÀ» Á¦°øÇϰíÀÖ½À´Ï´Ù. Some of the most popular of them are: ±×µé Áß ÀϺδ °¡Àå ÀαâÀÇ À§Ä¡ :
CHASE PREPAID MASTERCARDS AND VISA üÀ̽º ¼±ºÒ MASTERCARDS°ú ºñÀÚ
This prepaid credit card can offer you 0% interest on your prepaid credit card which is great for providing help to you in order to keep those payments up. ÀÌ ¼±ºÒ ½Å¿ë Ä«µå °áÁ¦¸¦ À¯ÁöÇϱâ À§Çؼ´Â ±× À§´ëÇÑ ´ç½Å¿¡°Ô µµ¿òÀ» Á¦°øÇϱâÀ§ÇÑ ±ÍÇÏÀÇ ¼±ºÒ ½Å¿ë Ä«µå¿¡ 0 %·Î °ü½ÉÀ» Á¦°øÇÒ ¼öÀÖ½À´Ï´Ù. They will need a minimum $500 dollars deposit, but you can also pay more. ±×µéÀº ÃÖ¼Ò $ 500 ´Þ·¯ÀÇ º¸Áõ±ÝÀÌ ÇÊ¿äÇÕ´Ï´Ù,ÇÏÁö¸¸ ´ç½ÅÀº µ·À» ´õ ÁöºÒÇØ¾ß ÇÒ ¼öÀÖ½À´Ï´Ù. We suggest you begin at a minimum of $1000. ¿ì¸®´Â ´ç½ÅÀÌ $ 1000ÀÇ ÃÖ¼Ò ½Ã¿¡ ½ÃÀÛÇϽñ⠹ٶø´Ï´Ù. Chase cards are accepted and recognized in all the places that Visa and MasterCard are found. üÀ̽º Ä«µå¸¦ Çã¿ëÇϰíÀÖ´Â ¸ðµç Àå¼Ò¿¡¼ ¹ß°ßµÇ´Â ºñÀÚ¿Í ¸¶½ºÅÍ Ä«µå¸¦ ÀνÄÇÕ´Ï´Ù. Since they also offer unsecured cards, nobody will know which version you are using. ÀÌÈÄ ±×µéµµ ¾ÊÀº Ä«µå¸¦ Á¦°øÇϰí, ¾Æ¹«µµ ´ç½ÅÀÌ »ç¿ëÇϰíÀÖ´Â ¹öÀüÀ» ¾Ë°Ô µÉ °ÍÀÌ´Ù. This is positive for the person who really doesn¡¯t want it to be too obvious that they are using a card which is prepaid. ÀÌ »ç¶÷ÀÌ Á¤¸» ³Ê¹« ±×µéÀÌ ¾î¶² Ä«µå¸¦ »ç¿ëÇÏ´Â ¼±ºÒÀÔ´Ï´Ù ºÐ¸íÀÌµÇ°í ½Í¾îÇÏÁö ¾Ê´Â »ç¶÷¿¡ ´ëÇÑ ±àÁ¤ÀûÀÌ´Ù.
Chase also does run off of their own banking institution, so when you¡¯ve established your good standing with them, they might upgrade you to an unsecured card through the transfer of your balance and raising your credit limit later on. üÀ̽º´Â ÀڽбÝÀ¶ ±â°üÀÇ, ±×·¡¼ µµ¸Á °¡Áö ¾ÊÀ¸¸é ±×µé°ú ÇÔ²²Çϸé ÁÁÀº ¼¸¦ ¼³¸³ÇÏ¿©, ±×µéÀ̵ÇÁö ¾ÊÀº Ä«µå·Î ´ç½ÅÀÇ ±ÕÇüÀÇ ¼Û±ÝÀ» ÅëÇØ ¾÷±×·¹ÀÌ µåÇÏ°í ³ªÁß¿¡ ±ÍÇÏÀÇ Å©·¹µ÷ Çѵµ¸¦ Á¦±âÇß´Ù. They will usually make a reference to your account following 6 months. ±×µéÀº ÀϹÝÀûÀ¸·Î ´ÙÀ½°ú À°°³¿ù ±ÍÇÏÀÇ °èÁ¤¿¡ ´ëÇÑ ÂüÁ¶¸¦ ¸¸µå´Â °ÍÀÔ´Ï´Ù. Some other secured credit cards with similar offers are: ºñ½ÁÇÑ Á¦°ø°ú ÇÔ²² ÀϺδ ´Ù¸¥ ½Å¿ë Ä«µå¸¦ È®º¸ÇϰíÀÖ´Ù :
• Orchard Bank MasterCards • ¿ÀÂ÷µå ÀºÇà MasterCards
• First Bank Visa • Á¦ÀÏ ÀºÇà ºñÀÚ
• Eufora prepaid MasterCard • ¼±ºÒ ¸¶½ºÅ¸ Eufora
• Centennial • ¼¾Å״Ͼó
• Premier Bank • ÇÁ¸®¹Ì¾î ÀºÇà
Read on and find out more on the process of recovering from bankruptcy with Secured Credit Cards 2 ÀÐ±â ¹× º¸¾È ½Å¿ë Ä«µå 2 ÆÄ»ê¿¡¼ ȸº¹ÀÇ °úÁ¤¿¡ ´õ ¾Ë¾Æ³¾