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うちは子供が高校生の時に家族カードを作りました。今大学3年生ですが、クレジットスコア800超えてます。子供宛てにクレカ作りませんか？っていうDMもよく来ます。
ChatGPTに聞いてみたら下記のような答えが返ってきました。
Here are some effective strategies:
1. Add Them as an Authorized User
・Add your child as an authorized user on one of your credit cards.
・They will benefit from your good payment history, and this can help build their credit quickly.
・Ensure the card issuer reports authorized users to the credit bureaus.
2. Help Them Get a Student Credit Card
・Many banks offer student credit cards with low credit limits.
・These cards help them build credit while limiting risk.
・They should make small purchases and pay the balance in full each month to avoid interest.
3. Open a Secured Credit Card
・A secured credit card requires a deposit that serves as the credit limit.
・Regular use and on-time payments will help build credit.
・Some secured cards convert into regular credit cards after responsible use.
4. Encourage Responsible Credit Use
・Teach them to keep credit utilization below 30% (e.g., if they have a $500 limit, keep the balance under $150).
・Always pay at least the minimum due on time—late payments hurt credit scores.
5. Help Them Get a Credit-Builder Loan
・Some banks and credit unions offer credit-builder loans that help establish credit.
・They borrow a small amount, make monthly payments, and once the loan is paid, they receive the funds.
6. Make Sure They Pay Bills on Time
・Some utilities, phone plans, or rent payments can be reported to credit bureaus.
・Services like Experian Boost allow certain bill payments to count toward their credit score.
だそうです。
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