s******u
发帖数: 757 | 1 据商家自己说，一申就过，根本不像我们平时申请信用卡那么耗时间，
请问：
如果办了这种信用卡，是不是也会在credit history里面留个记录，
然后又要等3个月才能申请新的信用卡？
关掉这种商家信用卡，是不是也会损伤credit？
每次去macy，小二都会很积极的鼓励我们办，还可以额外打折，
想想，肯定是存在什么potential/hidden responsible的吧？ | j***i
发帖数: 2203 | | a******9
发帖数: 923 | 3 这种store card和普通的credit card就是一样的，申卡有hard pull，出现在credit
history里，每月更新balance，欠账会report等。但事实是人们经常忘了这类store
card的存在，忘记还钱，所以时不时会在版上看到有人报告忘还store card的。
关卡行为本身不会损伤credit，只是在短时间内你所有卡的平均年龄可能会下降，所以
分数可能会降低。
【在 s******u 的大作中提到】
: 据商家自己说，一申就过，根本不像我们平时申请信用卡那么耗时间，
: 请问：
: 如果办了这种信用卡，是不是也会在credit history里面留个记录，
: 然后又要等3个月才能申请新的信用卡？
: 关掉这种商家信用卡，是不是也会损伤credit？
: 每次去macy，小二都会很积极的鼓励我们办，还可以额外打折，
: 想想，肯定是存在什么potential/hidden responsible的吧？
| q******o
发帖数: 1107 | 4 http://www.mitbbs.com/article_t0/Money/31893113.html
Retail stores commonly offer customers 10 or 20 percent off their purchases
in exchange for applying for a line of store credit. But these accounts can
lower your credit score by affecting your "card utilization" - the credit
limit on a particular card versus how much is owed on that card. Store
credit is usually extended in small amounts - say, $250 - so a purchase of $
100 uses almost half of that card's limit, which can negatively affect your
credit score.
"Credit bureaus used to look at overall debt utilization, but now they look
at the individual cards," says Scott Kuhn, a mortgage banker in Philadelphia
who works to improve credit scores for potential clients. "You can have 10
credit cards, nine with no balance, and one with a $100 limit and a $100
balance - just that one card can bring down your score."
To avoid this pitfall, resist the short-term temptation to save a little at
the register with a store credit card. Pay cash or use one of your current
credit cards. Your long-range strategy will prevail in the end.
【在 s******u 的大作中提到】
: 据商家自己说，一申就过，根本不像我们平时申请信用卡那么耗时间，
: 请问：
: 如果办了这种信用卡，是不是也会在credit history里面留个记录，
: 然后又要等3个月才能申请新的信用卡？
: 关掉这种商家信用卡，是不是也会损伤credit？
: 每次去macy，小二都会很积极的鼓励我们办，还可以额外打折，
: 想想，肯定是存在什么potential/hidden responsible的吧？
| s******u
发帖数: 757 | |
|
