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1. ½Å¿ëÄ«µå¿¡´Â ¾î¶² Á¾·ù°¡ ÀÖ³ª¿ä?

½Å¿ëÄ«µå´Â Å©°Ô Secured Credit Card(´ãº¸°¡ ÇÊ¿äÇÑ ½Å¿ëÄ«µå)¿Í Unsecured Credit Card(½Å¿ëÀ¸·Î ¹Þ´Â Ä«µå)  µÎ °¡Áö°¡ ÀÖ´Ù. ¿ì¸®°¡ ¾Æ´Â ÀÏ¹Ý ½Å¿ëÄ«µå´Â ´ãº¸°¡ ÇÊ¿ä ¾ø´Â °ÍÀ¸·Î ÈÄÀÚÀÌ´Ù. ¹Ì±¹¿¡¼­´Â ½Å¿ë±â·ÏÀÌ ÀüÇô ¾ø´Â °æ¿ì ÀϹÝÀûÀÎ ½Å¿ëÄ«µå ¹ß±ÞÀ» ¹Þ´Â °ÍÀÌ ¸Å¿ì ¾î·Æ´Ù. ÇлýÀ̶ó¸é Student Credit Card¸¦ ¹ß±Þ¹ÞÀ» ¼ö ÀÖ´Ù. Bank of America, Chase Bank, Citi ÀºÇà µî ½ÃÁßÀºÇà¿¡¼­ ¹ßÇà ¹ÞÀ» ¼ö ÀÕ´Ù. Ä«µå»ç¿¡¼­ Çб³¿¡ Student Credit Card È«º¸ ³ª¿Ã ¶§ ½Åû¼­ ÀÛ¼ºÇϸé Á» ´õ ½±°Ô ½ÂÀÎÀ» ¹ÞÀ» ¼ö ÀÖ´Ù. 
 * À¯ÇлýÀÏ °æ¿ì´Â Social Security Number(SSN)°¡ ÀÖ¾î¾ß ½Å¿ë±â·ÏÀÌ ½×ÀδÙ. ½Å¿ëÄ«µå ½Åû½Ã ÁÖ¼Ò³­¿¡ Çѱ¹ ÁÖ¼Ò ÀûÀ¸¸é °ÅÀýµÇ¹Ç·Î ÁÖÀÇÇϱ⠹ٶõ´Ù. SSNÀÌ ¾ø´Â °æ¿ì ITINÀ¸·Îµµ Ä«µå ½ÅûÀÌ °¡´ÉÇÏ´Ù.

2. ±×·³ ¾î¶»°Ô ½Å¿ëÀ» ½×¾Æ¾ß Çϳª¿ä?

(1) Secured Credit Card

½Å¿ëÀÌ ¾ø°Å³ª ³·Àº ½Å¿ëÁ¡¼ö¸¦ °¡Áö°í ÀÖ¾î ÀÏ¹Ý ½Å¿ëÄ«µå¸¦ ¹Þ±â ¾î·Á¿î °æ¿ì¶ó¸é Secured Credit Card¸¦ ¹ß±Þ¹Þ´Â °ÍÀÌ ¾ÈÀüÇÏ°í ½Å¿ëÀ» ½×±â¿¡µµ °¡Àå ÁÁÀº ¹æ¹ýÀÌ´Ù. ½ÃÁß¿¡ °¡Àå ÁÁÀº Ä«µå·Î´Â Capital One Ä«µå¸¦ ÃßõÇϸç óÀ½ 49ºÒÀÇ ´ãº¸¸¦ ³»°í ¿ù 200ºÒ ÇѵµÀÇ Ä«µå°¡ ¹ß±ÞµÈ´Ù. Secured Credit Card´Â Çѵµ°¡ ÀûÁö¸¸ ¹Ì±¹ 3°³ ½Å¿ëÆò°¡ À§¿øȸ¿¡ Á÷Á¢ º¸°íµÇ¹Ç·Î ½Å¿ëÀ» °¡Àå »¡¸® ½×°Å³ª Á¤Á¤ÇÒ ¼ö ÀÖ´Â ¹æ¹ýÀÌ´Ù. Secured Credit Card¸¦ ¸¸µé°í³ª¼­ 6°³¿ù~1³âÂë Áö³ª¸é ÀÏ¹Ý ½Å¿ëÄ«µå ½ÅûÀÌ °¡´ÉÇÏ´Ù.

(2) ¹éÈ­Á¡ Ä«µå, ¾Æ¸¶Á¸´åÄÄ Ä«µå

Secured Credit Card ÀÌ¿ÜÀÇ ´Ù¸¥ ¹æ¹ýÀº ¹éÈ­Á¡À̳ª »óÁ¡¿¡¼­ ÁÖ´Â Ä«µå¸¦ ½ÅûÇÏ¸é ¹ß±Þ¹ÞÀ» °¡´É¼ºÀÌ ³ô´Ù. ¶ÇÇÑ, Capital One Bank, Citi, Amazone ½Å¿ëÄ«µåµµ ÀÏ¹Ý ´ëÇü ÀºÇà Ä«µåº¸´Ù ¹ß±Þ È®·üÀÌ ³ô´Ù. Âü°í·Î ½Å¿ëÄ«µå¸¦ ½ÅûÇÏ¸é ½Å¿ëȸ»ç¿¡¼­ ½Å¿ëÀ» Á¶È¸Çϴµ¥ Çѹø Á¶È¸ÇÒ ¶§¸¶´Ù ½Å¿ëÁ¡¼ö°¡ Â÷°¨µÇ¹Ç·Î ½Å¿ëÄ«µå¸¦ 1³â¿¡ 2ȸ ÀÌ»ó ½ÅûÇÏ´Â °ÍÀº ÁÁÁö ¾Ê´Ù. ¶ÇÇÑ ½Å¿ëÄ«µå¸¦ ½ÅûÇß´Ù°¡ °ÅÀýµÇ¸é ½Å¿ëÁ¡¼ö°¡ ³»·Á°¡¹Ç·Î ½ÅÁßÈ÷ °áÁ¤ÇÏ´Â °ÍÀÌ ÁÁ´Ù.