DUC----“








我LG在DUC有checking account很长时间了，他觉得用得挺好。

LG的credit
report不太好，信用卡申请不到，现在想提高他的credit, 只能先申请Secured Credit Card,
就是一开始就有APR，还要先放deposit进去做limit,用过一段时间，如果按时还款，可以转成credit card, 同时credit
score也会提高。



查了几个比较大的银行：BOA, Citi, Discover, HSBC,Chase and AMEX， 只有Citi, BOA有Secured Credit Card, DUC也有。

现在这三个银行基本条款差不多，不同的是：



                             Citi               BOA            DCU 

--------------------------------------------------------------------------------    

Deposit              200-25000      300-1000         500

ANNUAL FEE         $29               $29             N/A

Purchase APR      17.74%        18.74%          8.9%

GRACE DAYS       20days        20days        25days



Citi
----说“In 18 months, as your credit score improves, you could become
eligible for an unsecured Citi Platinum Select credit card. Meanwhile,
you'll earn 4% annual interest on your CD.” CD就是那个deposit,
好象一定要定存三年中间取的话就没有4%了, 不知道是变成正式信用卡时开始有4%, 还是可以得到之前的4%?



DUC-----可以有积分“Earn Points With Every Card Purchase – With each purchase you charge on your DCU Secured Visa Classic you earn points with our ScoreCard^TM
Program. Use your points to purchase airline and travel services or
quality merchandise. (Note that cash advances and Visa Checks are not
card purchases.)”

“ScoreCard points for every dollar you spend – 2 points
for every $1 in gasoline, grocery store, and restaurant purchases, 1
point for every $2 in all other card purchases.* Redeem your points for
name-brand merchandise, air travel, cruise discounts, and much, much
more.”

Annual Percentage Rate (APR) for purchases with Secured Visa Platinum, Gold, or Classic	8.9%
Other APRs (Balance Transfer and Cash Advance APR same as Purchase APR — see above)	Repeated Late Payment Penalty APR: 17.5% (Fixed) — See explanation below.*

但是DUC的Visa Platinum, Gold, and Classic Accounts的利率却是：

Annual Percentage Rate (APR) for purchases Visa Platinum, Gold, or Classic	As low as 10.75% Prime Plus 3%. Prime as of 09/30/07: 7.75% (See Variable Rate Information below)
Variable-Rate Information	Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 3.00% to 10.5% (based upon your credit history) to the Prime Rate.*
Other APRs (Balance Transfer and Cash Advance APR same as Purchase APR — see above)	Repeated Late Payment Penalty APR: 17.5% (Fixed) — See explanation below.**

不明白的是为什么正式信用卡的APR反而比Secured Credit Card高呢？ Citi,BOA的正式信用卡却是0%APR.





前
两天查LG的credit report,发现不好的记录出自一个名叫Applied Card Bank Pka Cross Country
Bank,
上网查，发现有很多他们的信用卡用户受害者，有的人申请了卡，从没有使用却被他们说欠了钱，被追债，信用记录也受损了，很恐怖。
链接在这里：

http://www.crosscountrycard.com/ccbStupidT.htm#Small%20Claims%20Court


http://ripoffreport.com/reports/0/242/RipOff0242554.htm



现在感觉如果信用卡公司选择不好的话，是件很可怕的事，Citi,BOA是有名口碑一向比较好，而DUC在美不怎么有名，所以有点担心。



请大家帮忙看看，哪一个比较好，我们主要是用来提高Credit Score的，暂时不会贷款买大件，如果提高分数需要分期付款的记录的话，我们会选择小件短期的，主要目的是提高信用分数。谢谢啦！！！！

[此贴子已经被作者于2007-10-25 12:15:01编辑过]

不是CHASE，一开始说的就是那个骗子银行，有很多人受骗，不过我LG确实是申请了他们的信用卡，也拿过一些钱没还，但他的limit只有$250,结果他们却说他欠了一千多块钱，都是很多年前的事了，我LG也不记得具体拿了多少钱，但他的limit很低呀。曾经看过一个受害人的申述，她说她的limit很低，为什么会欠那么多钱，所以我就有点怀疑他们乱收费。

昨天我帮LG写了一封信给他们，要求他们把明细单给我们寄来，如果他们写信承诺我们pay off后就通知credit report公司把那个记录的charge off改成paid，我们马上就寄支票。咨询过专业人员，charge off 很影响credit score，说是可以通过谈判把那个charge off去掉，我LG想马上pay off, 但我想不试白不试，如果能成，我们可以省很多时间和精力去improve credit score.

我和LG两个人对钱都没什么概念，我在国内也没用过信用卡，国内也没什么credit score，没想到在美这个这么重要，这几天在恶补这方面的知识，LG的三大credit reports已细细看过了，还不是特别糟糕，现在就只有这个骗子银行的这一笔了，接下来就是申请Secured Credit Card, 慢慢把credit score提起来。