Building a credit history is important for a number of things. These are things like getting good housing or getting a loan. But you can’t get a good credit card without having good history. But for good history, you need a credit card.
So, where does this circle start and where does it end?
Getting a Student Credit Card
To get a credit card, you have to provide proof of employment and income. You should be at least 18 years of age to be eligible for a student credit card.
First Steps
If you don’t have an independent source of income as of yet, you can become an authorized user on another do not as yet have an independent source of income, you can become an authorized user on another adult’s credit card. This can be your parent’s or older sibling’s card. Make sure that your usage is being reported to credit bureaus. Also clear any and all dues on time.
You can also get a Secured Card. Here, you make a security deposit with the issuer and this serves as your credit line. However, it’s reported as a normal credit card to credit bureaus. This lets you start building a credit history that you can use later on.
When You Have a Job
Apply for one or two cards with low APRs. Don’t apply for too many cards at once. Too many rejected applications can adversely affect your credit history. If you can’t get a credit card right now, stay on as an authorised user or as a secured card holder for a bit longer. Once you’ve built up a good credit score, apply again.
Get cards with low interest rates and minimal fees. Some student credit cards come with no annual fees. These are good choices to reduce costs.
Enable text and email reminders for card dues and due dates. Pay on time and avoid late payment charges. Don’t use more than 30% of your credit limit and make the maximum payment possible for each billing period, if you can’t make the full payment.
Getting a Credit Card if You are an International Student
If you have come to the US from another country and you have a student visa that also authorizes you to work in the USA, you might be able to get a credit card.
However, before you apply for a credit card, you need to get a Social Security Number (SSN) To apply for your SSN, you need to submit proof of identification, age, work authorization, job proof, and income proof. You need to fill in the Form SS-5 or Social Security Care application form and submit this form. Also submit any relevant documents to your Social Security office.
Once you get your SSN, you can apply for a credit card. A job that provides you a steady income and a savings or checking account can increase your chances of approval. You can use your school address as your permanent address in your application.
A house becomes a home only when one adds their own personal touch to it. Home furnishings, for example, not only reflects the lifestyle of the owner of the home but also their tastes and preferences in interior design and decor. Therefore one should put in some thought before purchasing home furnishings such as sofa covers.
Listed below are a few reasons why every sofa needs a sofa cover.
Sofa covers, thus, are a must for every household. What are you waiting for? Buy one today!
Now that you have decided to buy a modular home, it is important to pick the right manufacturer that will provide you with the home that you always dreamed of living in. The past decade has seen a boom in the modular home manufacturers claiming to be the best in the business. However, you need to make sure that you invest in the right manufacturer that can strikes the right balance between convenience, comfort, and economy.
Here are the relevant factors based on which you should choose the right modular home manufacturer:
Type of modular home- When choosing a modular home manufacturer, you also need to pick the type of modular home based on your budget and floor plan. Manufacturers have different types of standards as well as their signature designs. Make sure you pick a manufacturer with the widest range of designs and customization options.
Manufacturer’s location- This is one of the most important factors when it comes to choosing a modular home. Know where their factory or manufacturing facility is located. Some of the largest manufacturers have more than nine facilities across the county and even in Canada. Pick a manufacturer that has its factory located near your location as it will help you save on transportation cost.
Brand partnership– Modular manufacturers should have partnerships with multiple brands selling kitchen appliances, windows, and doors etc. Having multiple brands gives multiple options and lets you set a wider budget for your modular home. It also saves you time if you are opting for certain customized fittings.
Size of the manufacturer- Working with a large modular home manufacturer has its own set of advantages. It has reduced costs of building and it is a one-stop shop as they have probably partnered with multiple brands. Secondly since they have been in the business for a while, you can rest assured that they know the ropes well. However, if you want the manufacturing of your modular home to get personal attention and guidance, then it is advisable to go for smaller manufacturers.
Apart from the factors mentioned above, most of them have an official website depicting their work. Do your research thoroughly, surf through their website and read customer reviews before choosing the best manufacturer for your dream home.
One of the least likable aspects of the beauty industry is animal testing. Numerous cosmetics brands do product testing on animals. However, there are many other brands that refrain from animal testing and are cruelty-free. Many of these brands use organic ingredients in their products. Thus, it is possible to do your bit for the environment and your skin by using cosmetics of these organic and cruelty-free brands. Here are a few popular cruelty-free brands of cosmetic products.