R****9
发帖数: 2355 | 1 查了信用记录 有一个negative factor 如下,没看懂：
You owe debt on 100% of your revolving accounts.
This lowers your score. High balances are a negative factor because lenders
worry that you are living beyond your means and may not be able to repay
them. This is particularly true for credit cards. For installment loans such
as mortgages and auto loans, lenders often use the proportion of the loan
that is still unpaid to judge your ability to take on new debt. If very
little of your installment loan balances have been repaid, lenders may not
give you more credit that could add to your debt. No matter how high your
income, having a lot of debt may lower your credit scores because lenders
know that adverse changes in your employment and life events such as divorce
or illness may make it harder to pay your bills. Low balances, on the other
hand, are a positive factor because lenders do not stand to lose as much if
you become unable to repay them. However, not using your credit accounts at
all may be considered a negative factor, because it does not provide
lenders with information about how you typically use credit and repay your
debts.
关键是我现在每个balance都保持很低 都是在账单出来之前就换到5%一下，那么这里
的 debt 指的是什么呢？ 还是说我的卡都在100%使用呢? 我一共有四张卡，每张卡我
都用了 但是我都保持balance很低
盘专家指导，包子伺候 |
y****i
发帖数: 17878 | 2 you are using all 4 of your active cards, that's why
you have too few cards, go get more
lenders
such
【在 R****9 的大作中提到】
: 查了信用记录 有一个negative factor 如下,没看懂：
:
: You owe debt on 100% of your revolving accounts.
: This lowers your score. High balances are a negative factor because lenders
: worry that you are living beyond your means and may not be able to repay
: them. This is particularly true for credit cards. For installment loans such
: as mortgages and auto loans, lenders often use the proportion of the loan
: that is still unpaid to judge your ability to take on new debt. If very
: little of your installment loan balances have been repaid, lenders may not
: give you more credit that could add to your debt. No matter how high your
|
J*******i
发帖数: 3430 | 3 我也有这一个这个因素。
我觉得debt有好多银行都是直接报最近的statement balance的，并非是当日的balance
如果是这样的话，一个办法是账单之前全额还钱
另外一个办法我的理解是每一个周期内，ABCD卡轮着用
有的卡没有balance，有的卡使用，但是不能让这个不用的始终不用，就像后面说的
隔几个月搞一个月没有balance
lenders
such
【在 R****9 的大作中提到】
: 查了信用记录 有一个negative factor 如下,没看懂：
:
: You owe debt on 100% of your revolving accounts.
: This lowers your score. High balances are a negative factor because lenders
: worry that you are living beyond your means and may not be able to repay
: them. This is particularly true for credit cards. For installment loans such
: as mortgages and auto loans, lenders often use the proportion of the loan
: that is still unpaid to judge your ability to take on new debt. If very
: little of your installment loan balances have been repaid, lenders may not
: give you more credit that could add to your debt. No matter how high your
|
R****9
发帖数: 2355 | 4 但是我上几个月中 平均每个月都有一张卡balance为负的 因为statement 之前还超了
难道非不用才行 |
p****t
发帖数: 5814 | 5 这些其实对你的最后信用分数的影响都不大，没关系的，只要记得及时付账就行，不要
欠款，所有这些负面因素等你把帐付了不久又会回去的。
lenders
such
【在 R****9 的大作中提到】
: 查了信用记录 有一个negative factor 如下,没看懂：
:
: You owe debt on 100% of your revolving accounts.
: This lowers your score. High balances are a negative factor because lenders
: worry that you are living beyond your means and may not be able to repay
: them. This is particularly true for credit cards. For installment loans such
: as mortgages and auto loans, lenders often use the proportion of the loan
: that is still unpaid to judge your ability to take on new debt. If very
: little of your installment loan balances have been repaid, lenders may not
: give you more credit that could add to your debt. No matter how high your
|
R****9
发帖数: 2355 | 6 关键是我每个月都按时付款 score还不高 他爷爷的 |
J*******i
发帖数: 3430 | 7 我也觉得是的，因为那个服务非要列出3个来，他就只能拿这个来凑数了感觉
短时间内申请信用卡多， b/CL 太大，这些我觉得实在有影响，后面这个确实影响不大
【在 p****t 的大作中提到】
: 这些其实对你的最后信用分数的影响都不大，没关系的，只要记得及时付账就行，不要
: 欠款，所有这些负面因素等你把帐付了不久又会回去的。
:
: lenders
: such
|
p****t
发帖数: 5814 | 8 信用记录时间不够长？ 或者总CREDIT LINE不很高，那么就多搞几张，搞个10张8张得
当分母就是了。
【在 R****9 的大作中提到】
: 关键是我每个月都按时付款 score还不高 他爷爷的
|
R****9
发帖数: 2355 | 9 我最长的card 是15个月 总的creditline 10K
四张卡 两张在我名下 两张在LD名下 不过各有对方副卡 两人的creditreport都是四
张卡的记录
平均分才708
跟我查不多的情况的朋友都760了
我再生一堆卡 分数不有的下将一大截么
关键现在这个分拿不到好卡啊
再审只能生capitalone 1那个2%gas，1%other的卡了
每周都给我发offer
也不知道这卡咋样 |
p****t
发帖数: 5814 | 10 这个分数不低了，可能就是因为信用记录不够长，慢慢就上去了，至于要不要多搞卡，
如果有大于200的BONUS就搞，不然还是歇着了，4张其实差不多，不过总CREDIT LINE
10K有些低，以后高了，就好了。
这个分应该任何好卡都可以申了，足够好了。
【在 R****9 的大作中提到】
: 我最长的card 是15个月 总的creditline 10K
: 四张卡 两张在我名下 两张在LD名下 不过各有对方副卡 两人的creditreport都是四
: 张卡的记录
: 平均分才708
: 跟我查不多的情况的朋友都760了
: 我再生一堆卡 分数不有的下将一大截么
: 关键现在这个分拿不到好卡啊
: 再审只能生capitalone 1那个2%gas，1%other的卡了
: 每周都给我发offer
: 也不知道这卡咋样
|
R****9
发帖数: 2355 | 11 citi的用的不多 有必要叫他们提高额度么
就怕提高了 到时候用的不多给降了 |
a*********g
发帖数: 8087 | 12 靠hard提高没意思
【在 R****9 的大作中提到】
: citi的用的不多 有必要叫他们提高额度么
: 就怕提高了 到时候用的不多给降了
|
