>1. 手上有多张信用卡， 想close几张，是否会降低score？
Yes. In credit score model, there is a variable called credit utilization, it is calculated by total balance / total credit limit. By closeing unused credit cards, you will make the value of this variable higher. This variable is a negative factor in calculation credit scores.
>2. 主动要求降低信用额度是否会降低score？
Yes, Same reason as above.
>3. 在每次都全额付清的前提下， 信用额度与欠账的比例在什么水平最理想？
Watch out for each card's utilization (balance/credit limit) and total overall utilization, be careful about a few threshhold: 25%, 50%, 75% and 100%. If you are at the border line, make utilization below these threshholds. You should aslo take a look at indicators such as number of cards with utilization >=100%, 75%, 50%, etc.
Make the number lower will help.
Overall speaking, if you don't have delinquency that are 60 days or more (2 pay cycles) or bankcruty, charge-off, or collection information, you should have a credit score 700 and above. All the topics we discussed above will only have minor impact on your credit score.
Also, if you have a credit score >=740
, usually you can to get best term in lending. To lenders, credit score 740 and 800 usually belong to the same lending price (interest rate) tier.
Answer to some credit card questions.
地主家也没余粮啊 (2009-04-28 07:14:14) 评论 (1)>1. 手上有多张信用卡， 想close几张，是否会降低score？
Yes. In credit score model, there is a variable called credit utilization, it is calculated by total balance / total credit limit. By closeing unused credit cards, you will make the value of this variable higher. This variable is a negative factor in calculation credit scores.
>2. 主动要求降低信用额度是否会降低score？
Yes, Same reason as above.
>3. 在每次都全额付清的前提下， 信用额度与欠账的比例在什么水平最理想？
Watch out for each card's utilization (balance/credit limit) and total overall utilization, be careful about a few threshhold: 25%, 50%, 75% and 100%. If you are at the border line, make utilization below these threshholds. You should aslo take a look at indicators such as number of cards with utilization >=100%, 75%, 50%, etc.
Make the number lower will help.
Overall speaking, if you don't have delinquency that are 60 days or more (2 pay cycles) or bankcruty, charge-off, or collection information, you should have a credit score 700 and above. All the topics we discussed above will only have minor impact on your credit score.
Also, if you have a credit score >=740
, usually you can to get best term in lending. To lenders, credit score 740 and 800 usually belong to the same lending price (interest rate) tier.