Vivinavi : Hawaii : (United States) Hawaii

• zebra
• 2022/02/17 (Thu) 17:43
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Topic
Hello. I live in Hawaii.
I use a frequent flyer credit card
I recommended it to a friend, but she was rejected
because she had been working for 1 year.
It is possible that I still can't get it if I have been working for 3 months.

• フロムCA
• 2022/02/17 (Thu) 22:27
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Is Hawaii a hurdle ？
I moved to Hawaii from California and already in my California days （ I made a credit card four years ago when I immigrated to the US ） and I could make a bank credit card right away. It didn't matter how much money I had in the bank or anything, as soon as I opened my account （ on the second day of immigration ） and told them that I wanted to get a credit card because I would need my score, I got one right away. It only works from about $500 at first, though. I was in the U.S., so it is not a Hawaiian bank, but just for your information, I am not sure if it is ANA America or JAL America. When I was in California, I heard from my seniors that all Japanese people started with the credit cards of the two airlines or the secure card of the bank. I think ANA and LAL might be better because you can get customer service in Japanese.

• 平和主義
• 2022/02/18 (Fri) 07:55
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Capital one is often used to build credit history for the first time.
The app makes it easy to make payments, and you will always be notified by email when your card is used, so it is very secure and prevents fraudulent use. You will build a good credit history if you continue to use the card within 30% of your credit limit.
Although the initial limit is low, this card has no limit on the number of payments per month, so try to use it while making frequent payments.

• lonsdale
• 2022/02/18 (Fri) 09:51
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I currently have a credit score of 830.
Here are the recommended steps.

First, decide on a main bank and make a Secure Card there.
Secure Card is a credit card where the amount deposited = the limit.
Then, after some time has passed, （ you can make a credit card with no annual fee for about half a year ？ ） and then you can make another credit card with no annual fee.
After some time from there, make another credit card of your choice, and another one with your choice of service and mileage accrual.
Then, when your score grows some, buy a car on lease or loan.

The key to increasing your credit score is
1 ） length of history
2 ） amount spent against credit limit
3 ） no late payments
・ ・ ・.
This combined factor determines your credit score.

To maintain the length of your history, be prepared to keep the Secure Card and the first no annual fee card you make.
History is very important.
You need to use the no annual fee credit card occasionally even after you have made other credit cards because it will be cancelled if you don't have a good usage record.
Whether the credit card has a paid or free annual fee, the effect on the score is the same.
However, the rank of the credit card you can make depends greatly on how good or bad your score is.

By the way, it is considered good that the monthly usage should not exceed 30% of the credit limit.
In order to keep this spending amount within 30%, you should make several credit cards after going through the Secure Card → no annual fee credit card stage
and increase your credit limit itself.
If you must exceed 30% by purchasing airline tickets, etc. while the limit is low,
contact the credit card company and ask for a temporary increase in the limit or deposit money into your Secure Card to increase the limit.

If you cancel your credit card, your score may drop significantly if the credit card has a large limit.
It is better not to cancel the credit card.

By the way, when you apply for a new credit card, it is safe to wait about 6 months after your last new application.
When you apply for a credit card, the credit card company checks your score, and
the frequency and type of checks can lower your score.

Retail credit cards like Nordstrom and Macy's are not recommended if you want to
get a good score over 800 quickly.
If you really want to get a discount or something, limit yourself to one credit card and pay it off immediately after use.

If you take out a loan for a car or something other than a credit card, your score will increase even more.
Since your credit score determines the financial institutions and interest rates for loans, it is best to wait until your credit score has increased to a certain level.
You will not be able to get a loan with good terms until you are at least in the mid 600s.
By continuing to make good repayments on this loan, your score will increase even more than if you were using credit cards alone.
So even if you can buy a car with cash, it is recommended if you want to buy a house with a mortgage in the future.

To monitor the growth of your credit score, we recommend that you register with Credit Karma and check your credit score regularly.
This is a free service and checking here will not negatively affect your score.
They will also introduce you to credit cards that you are more likely to apply for based on your score.
It is essential to check which cards are easier to be approved for, especially when you make a no annual fee credit card from Secure Card.

Many Japanese people will go for lump sum cash payments for everything, but unfortunately that will not increase your credit score.
A high credit score is a good thing.
When you get married, your partner's score will affect you as well. I know a business owner who decided not to get married because the partner he wanted to marry had a low score.
It depends on the individual, but credit scores are very important when living in the US.
Good luck ！

• 蕎麦好き
• 2022/02/18 (Fri) 10:24
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Thank you all for your time and comments.
Dear pacifist, a friend also recommended Capital one, I will consider it.
Dear lonsdale, Thank you for the detailed explanation. It was very helpful.
I will now proceed with the purchase of a car and home based on your advice.