{"id":5749,"date":"2018-07-03T12:22:35","date_gmt":"2018-07-03T17:22:35","guid":{"rendered":"https:\/\/www.bscu.org\/?p=5749"},"modified":"2018-07-03T14:50:10","modified_gmt":"2018-07-03T19:50:10","slug":"3-ways-to-help-your-teens-build-good-credit","status":"publish","type":"post","link":"https:\/\/www.bscu.org\/es\/3-ways-to-help-your-teens-build-good-credit\/","title":{"rendered":"3 maneras de ayudar a sus hijos adolescentes a construir un buen cr\u00e9dito"},"content":{"rendered":"

\"\"<\/p>\n

Cuando su hijo adolescente finalmente d\u00e9 el gran salto y se mude de casa, necesitar\u00e1 un puntaje de cr\u00e9dito s\u00f3lido para muchos pasos de su vida: alquilar un departamento, obtener un pr\u00e9stamo o encontrar una buena oferta de seguro.<\/p>\n

Por eso, es importante que los adolescentes mejoren su historial crediticio antes de mudarse. Hay algunas maneras de prepararlos para esto en los a\u00f1os previos a la graduaci\u00f3n.<\/p>\n

    \n
  1. Aseg\u00farese de que tengan una cuenta corriente y una tarjeta de d\u00e9bito.<\/strong>
    \nAbrir una cuenta bancaria propia es un paso importante para que tu hijo adolescente mejore su historial crediticio sin sacrificar su red de seguridad. Un adolescente menor de 18 a\u00f1os puede solicitar una tarjeta de d\u00e9bito; solo necesita un aval. Como t\u00fa firmas la tarjeta, tu cuenta personal estar\u00e1 vinculada a la de tu hijo en caso de sobregiro. Con esta cuenta corriente y tarjeta de d\u00e9bito, tambi\u00e9n deber\u00edas ense\u00f1arle a tu hijo la importancia de administrar bien el dinero.<\/li>\n<\/ol>\n
      \n
    1. Ens\u00e9\u00f1eles los conceptos b\u00e1sicos de las tarjetas de cr\u00e9dito.
      \n<\/strong>Las tarjetas de cr\u00e9dito son un poco m\u00e1s complejas que las de d\u00e9bito, por lo que es importante hablar con tu hijo adolescente y ayudarle a comprender los conceptos b\u00e1sicos. Solicitar su propia tarjeta de cr\u00e9dito es un paso m\u00e1s importante que solicitar una tarjeta de d\u00e9bito, pero es un paso adicional que ayudar\u00e1 a mejorar su puntaje crediticio, siempre que pague las facturas a tiempo y en su totalidad. Amelia Granger, colaboradora de US News & World Report, afirma que la habilidad m\u00e1s importante que un adolescente puede aprender es pagar sus facturas en su totalidad, incluso si eso implica comenzar con un l\u00edmite de cr\u00e9dito m\u00e1s bajo. Aseg\u00farate de supervisar las facturas de tu hijo adolescente para confirmar que no est\u00e9n da\u00f1ando su puntaje crediticio en lugar de construir una buena base para los pr\u00f3ximos a\u00f1os.<\/li>\n<\/ol>\n

       <\/p>\n

        \n
      1. Ay\u00fadalos a abrir una Tarjeta de cr\u00e9dito asegurada<\/a>
        \n<\/strong>Una Tarjeta de Cr\u00e9dito Asegurada es la tarjeta perfecta para ense\u00f1ar a tu hijo adolescente a administrar bien su dinero. Esto se logra al no permitirle usar el dinero que no tiene, sino fijar un monto m\u00ednimo de $500 que debe usar como si fuera dinero prestado. Esta tarjeta le ayudar\u00e1 a mejorar su puntaje crediticio y, despu\u00e9s de un a\u00f1o, podr\u00e1 solicitar una tarjeta de cr\u00e9dito regular.<\/li>\n<\/ol>\n

        La gesti\u00f3n responsable del dinero es dif\u00edcil de practicar si se aprende a una edad avanzada. A tus hijos les ir\u00e1 mucho mejor si les ense\u00f1as buenas pr\u00e1cticas financieras.<\/p>","protected":false},"excerpt":{"rendered":"Cuando su hijo adolescente finalmente d\u00e9 el gran salto y se mude de casa, necesitar\u00e1 un apoyo s\u00f3lido [\u2026]"},"author":4,"featured_media":5750,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,34,35,17,37,26,16,27],"tags":[],"class_list":["post-5749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget","category-credit-cards","category-good-credit","category-online","category-organized","category-saving","category-shopping","category-student-debt"],"yoast_head":"\n3 Ways to Help Your Teens Build Good Credit - BrightStar Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bscu.org\/es\/3-ways-to-help-your-teens-build-good-credit\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Ways to Help Your Teens Build Good Credit\" \/>\n<meta property=\"og:description\" content=\"When your teen finally takes the big leap and moves out of the house, they\u2019re going to need a solid […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bscu.org\/es\/3-ways-to-help-your-teens-build-good-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"BrightStar Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BrightStarCU\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-07-03T17:22:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-07-03T19:50:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bscu.org\/wp-content\/uploads\/2018\/07\/Teen-and-Parent.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"350\" \/>\n\t<meta property=\"og:image:height\" content=\"233\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sara Moyer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sara Moyer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.bscu.org\/3-ways-to-help-your-teens-build-good-credit\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.bscu.org\/3-ways-to-help-your-teens-build-good-credit\/\"},\"author\":{\"name\":\"Sara Moyer\",\"@id\":\"https:\/\/www.bscu.org\/#\/schema\/person\/52aa5a4fa54d9d6a60a743282e52fb11\"},\"headline\":\"3 Ways to Help Your Teens Build Good Credit\",\"datePublished\":\"2018-07-03T17:22:35+00:00\",\"dateModified\":\"2018-07-03T19:50:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.bscu.org\/3-ways-to-help-your-teens-build-good-credit\/\"},\"wordCount\":429,\"publisher\":{\"@id\":\"https:\/\/www.bscu.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.bscu.org\/3-ways-to-help-your-teens-build-good-credit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.bscu.org\/wp-content\/uploads\/2018\/07\/Teen-and-Parent.jpg\",\"articleSection\":[\"Budget\",\"Credit Cards\",\"Good Credit\",\"Online\",\"Organized\",\"Saving\",\"Shopping\",\"Student Debt\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bscu.org\/3-ways-to-help-your-teens-build-good-credit\/\",\"url\":\"https:\/\/www.bscu.org\/3-ways-to-help-your-teens-build-good-credit\/\",\"name\":\"3 Ways to Help Your Teens Build Good Credit - 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