信用度高的人不会做的5件事

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Top 5 Things Highly Credible People Don’t Do

Good credit is essential for almost anything finance related. From buying a house to opening a credit card, having a good credit score ensures you get the best interest rates and you can open high lines which you can access in an emergency. Building your credit is important and it’s not something you do instantly. However, if you want to learn how to increase your credit score and at the same time, learn good habits, you should follow these things which people with good credit don’t do:
在经济方面，信誉良好是根本。从买房子到开立信用卡，信誉记录良好会让你得到最好的利率，紧急情况时能给你开出较高的限额。建立起自己的信用很重要，也不是件一蹴而就的事情。但是要是你想要学者怎样增加信用记录，同时养成一些好习惯，那些信用好的人不做的事情也不要做。
1.They Don’t Pay Their Credit Cards on Their Due Date
他们不会在截止日期那天去还信用卡
Credit card payments are due on a specific date and most people wait until this day to pay them to maximize their credit capacity. However, people with excellent credit usually pay off their cards early. While paying on time means you won’t incur any fee, you might incur a penalty on your credit score.
信用卡还款是定在一个特定的时间，大部分人都等到那一天才去还款，保持信用卡的最大贷款限额。但是那些信誉好的人通常都会提前还款。在支付期间支付也不会产生任何费用，信用记录上也不会有任何不良记录。
2.They Don’t Refuses Credit Limit Increases
不拒绝增加信用额度
Having a large credit limit may seem scary, but as long as you’re responsible and don’t plan to use it all up, then there’re no reason to refuse a credit increase offer from your credit card company. A large credit limit shows other companies that you are trustworthy and also. This can help increase your credit score and ensure you get approved for loans.
信用额度太大可能会觉得有些吓人，但是只要你有足够的责任心，没有想要将其用光，那也没理由拒绝。同样，信用额度大也说明你是个可以值得信任的人。这也能增加你的信用度评分，贷款也更容易获得批准。
3.They Don’t Co-Sign Loans
他们不会签署共同的贷款
Co-signing loans is a dangerous gamble. See, when you co-sign a loan, you are essentially taking responsibility, should the person you co-sign with defaults on the loan, then you are stuck with paying it back. This not only ruins your credit score, but you will have to pay back money you didn’t use in the first place.
共同贷款是很危险的一种博弈。一旦签订了共同贷款，你就会负有责任，和你签署共同贷款的人要是违约贷款，你就得来偿还这部分贷款。这不仅会影响到你的信用评分，你还得偿还你没有首先使用的那部分贷款。
4.They Don’t Ignore Inflation or Rates
他们不会忽略通货膨胀和利率等因素
Savings accounts are a great way to keep your money safe, but the truth is, keeping all your money in an account that earns you less than one percent APY is one way to lose money. You’re not losing the money exactly, but you are losing its value when you consider inflation or when the cost of goods increase. That said, for your future, you need to think of a way to make sure your money works for you.
储蓄账户的一大好处就是能保证资金的安全，但事实上如果把你所有的钱存入账户里赚的收益比存款年收益的百分之一还少，这样就是钱就算是变少了。你也并不是真的丢钱了，但是当通货膨胀和物价上涨的时候，价值就降低了。也就说，未来你得考虑一种保证钱价值的方法。
5.They Don’t Ignore the Fine Print
他们也不会忽视细则
Fine print is one way you can get in trouble with financial companies. Many companies are quite sneaky and put important things in fine print. For example, they might put that they can increase you interest rate if you miss a payment. That is why you need to make sure you read the fine print before you agree to anything.
细则可能是你和金融公司有争议的地方。许多卑鄙的公司都将重要的事项放在细则部分。比如说，要是你逾期未付款，他们可能会上调你的利率。那就是为什么在签订之前要详读细则的原因。

意只小猪.