To build a credit record, you should have one or two credit cards and use them at least every couple of months to show you can pay your bills responsibly. Paying student loans on time also will help build a good credit history.
为了建立信用记录,你应该有一张到两张信用卡,至少每几个月使用一次表明你会为还款负责。准时偿还助学贷款同样可以帮你建立良好的信用记录。
4. Avoid unnecessary fees.
避开不必要的费用
To make your budget work, look for free checking accounts at a local credit union or an online account. Avoid automated-teller-machine fees and link your savings account to your checking account so that you'll never pay an overdraft fee. Pay your bills on time to avoid late fees and in full to avoid interest.
为了合理使用预算,到当地的信用社或是网上账户获得免费的账户。尽量不要去自动取款机取钱,因为会产生手续费,把你的储蓄账户绑定到查询账户上,这样你就永远不用支付因透支产生的费用了。准时还款避免滞纳金,全额支付账单,避开产生利息。
5. Use your social network.
发挥你的社交网络
Your friends are used to sharing information, so take advantage of each other's knowledge. Don't post your bank balance or salary online—that's tacky—but don't be shy about asking other recent grads what they pay for rent, car insurance or Internet service. Remember what you learned in college: It's good to be friends with someone who did the homework.
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