Informazioni sulle carte di credito e prestiti

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È necessario prendere in prestito denaro? Credito e prestiti sono entrambi modi per prendere in prestito denaro. Alcuni tipi di prestiti sono più sicuri di altri. Informazioni sulle carte di credito, prestiti payday e i modi migliori per prendere in prestito denaro.

Do you need to borrow money? Credit and loans are both ways to borrow money. Some kinds of borrowing are safer than others. Learn about credit cards, payday loans and the best ways to borrow money.

learn about credit cards and loans
Foto per gentile concessione di Haelliott/Wikimedia Commons
learn about credit cards and loans
Photo courtesy of Haelliott/Wikimedia Commons

Carte di credito

Credit cards

È possibile utilizzare una carta di credito per pagare le cose invece di utilizzare contanti. Per pagare in un negozio, si mette una piccola carta di plastica in una macchina. Al telefono o online, è possibile inserire o pronunciare il numero di carta e la password.

You can use a credit card to pay for things instead of using cash. To pay in a store, you put a small plastic card in a machine. Over the phone or online, you can enter or say the card number and password.

Le carte di credito sono facili e sicure da usare per lo shopping e il pagamento delle bollette. Ma hanno dei rischi. Se non rimborsi la carta di credito ogni mese, si pagherà gli interessi. Gli interessi sono l'importo che si paga in cima a quello che hai preso in prestito. Più a lungo non si paga, l'interesse più si deve. Un sacco di gente in America ha grandi debiti a causa delle carte di credito.

Credit cards are easy and safe to use for shopping and paying bills. But they have risks. If you do not pay back the credit card every month, you will pay interest. Interest is the amount you pay on top of what you borrowed. The longer you do not pay, the more interest you owe. A lot of people in America have big debts because of credit cards.

Storico del credito

Credit history

Non si consiglia di utilizzare una carta di credito a causa del rischio di indebitarsi. Ma può essere utile per un altro motivo: per iniziare la cronologia del credito. La tua storia creditizia è un record di ciò che hai preso in prestito e di quanto bene l'hai ripagato. Una buona storia di credito aiuta a costruire il credito. Se si crea credito, si può prendere in prestito denaro quando ne avete bisogno per grandi cose, come l'acquisto di un'auto o di una casa.

You may not want to use a credit card because of the risk of getting into debt. But it can be useful for another reason: to start your credit history. Your credit history is a record of what you have borrowed and how well you paid it back. A good credit history helps to build credit. If you build credit, you can borrow money when you need it for big things, such as buying a car or a home.

Quindi hai bisogno di una carta di credito per costruire la tua storia di credito. Ma le società di carte di credito non ti daranno una carta di credito a meno che tu non abbia già un buon credito!

So you need a credit card to build your credit history. But credit card companies will not give you a credit card unless you already have good credit!

Ma come posso costruire una storia di credito senza carta di credito?

But how can I build a credit history without a credit card?

Si può iniziare con una carta di credito protetta. Stilt offre carte di credito garantite agli immigrati e ad altre persone che lottano per costruire il credito. Le carte di credito protette non sono davvero crediti perché hai già dato i soldi, o qualcuno ha promesso di pagare per voi. Ma ti permettono di costruire un buon credito. Le banche e le società di carte di credito hanno protetto le carte di credito, troppo. Il trampoliere ha tassi d'interesse più bassi e un processo più facile da applicare rispetto ad altre società. Così fanno le cooperative di credito.

You can start with a secured credit card. Stilt offers secured credit cards to immigrants and other people who struggle to build credit. Secured credit cards are not really credit because you have already given the money, or someone has promised to pay for you. But they do allow you to build good credit. Banks and credit card companies have secured credit cards, too. Stilt has lower interest rates and an easier process to apply than other companies. So do credit unions.

Entra a far parte di un'unione di credito

Join a credit union

Le cooperative di credito sono come le banche, ma cercano di aiutare le persone ad avere successo. I titolari di conti possiedono tutti l'unione di credito insieme. Le cooperative di credito aiutano prestando denaro o dando carte di credito a persone con redditi bassi e persone senza storia di credito. Ti aiuteranno a risparmiare denaro, troppo. Si può trovare un'unione di credito vicino a te

Credit unions are like banks, but they try to help people succeed. The account holders all own the credit union together. Credit unions help by lending money or giving credit cards to people with low incomes and people with no credit history. They will help you save money, too. You can find a credit union near you

Prestiti personali

Personal loans

Ci sono diversi tipi di prestiti che si possono ottenere. Alcuni sono per le emergenze a breve termine, while others are for long for long-term situations, like buying a house.

There are several different kinds of loans you can get. Some are for short-term emergencies, while others are for long for long-term situations, like buying a house.

Payday lending

Payday lending

Payday loans are for people who need cash quickly. People borrow money from a lender to pay back on the day they get paid. But payday loans often lead to more serious money problems than you start with. Getting a payday loan means you already have less money to get through until your next paycheck. Anche, payday lenders charge a lot of interest. So you pay back a lot more than you borrow. And if you don’t pay back on time, you will have to pay even more interest.

Payday loans are for people who need cash quickly. People borrow money from a lender to pay back on the day they get paid. But payday loans often lead to more serious money problems than you start with. Getting a payday loan means you already have less money to get through until your next paycheck. Also, payday lenders charge a lot of interest. So you pay back a lot more than you borrow. And if you don’t pay back on time, you will have to pay even more interest.

Payday Alternative Loans (PAL)

Payday Alternative Loans (PAL)

Credit unions may give you a better choice for emergencies than a payday loan: a payday alternative loan (PAL). A PAL is a short-term loan so you don’t have to get a payday loan. You can borrow up to $1,000 and they will not charge so much interest. You have to be a member of the credit union for a month before you can take out a PAL.

Credit unions may give you a better choice for emergencies than a payday loan: a payday alternative loan (PAL). A PAL is a short-term loan so you don’t have to get a payday loan. You can borrow up to $1,000 and they will not charge so much interest. You have to be a member of the credit union for a month before you can take out a PAL.

Mortgages

Mortgages

Mortgages are loans people get to buy a house. There is a large payment to make every month. But sometimes it is no more than paying rent, and at the end, you will own your home! It can be hard to get mortgages. But your credit union may help you. Read about mortgages for non US-citizens. The Federal Housing Administration teaches you about different loans and can teach you how to save money on your new home.

Mortgages are loans people get to buy a house. There is a large payment to make every month. But sometimes it is no more than paying rent, and at the end, you will own your home! It can be hard to get mortgages. But your credit union may help you. Read about mortgages for non US-citizens. The Federal Housing Administration teaches you about different loans and can teach you how to save money on your new home.

Business loans

Business loans

Several programs across the United States help refugees and immigrants start their own businesses. They give loans and other support, such as business advice and money workshops. Qui sono alcuni di loro:

Several programs across the United States help refugees and immigrants start their own businesses. They give loans and other support, such as business advice and money workshops. Here are some of them:

CDFIs

CDFIs

Community development financial institutions (CDFIs) are like credit unions. They do not want to make a profit from their services. Invece, they want to help people succeed. CDFIs lend money to small businesses, new business, and to build affordable homes.You can find a CDFI near you.

Community development financial institutions (CDFIs) are like credit unions. They do not want to make a profit from their services. Instead, they want to help people succeed. CDFIs lend money to small businesses, new business, and to build affordable homes.You can find a CDFI near you.

Ulteriori informazioni

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