s****7
发帖数: 2507 | 1 比如我的所有的信用卡的line of credit 是4万。
我借2万会影响我的信用分数吗？
因为最近想买房子，怕借了信用卡的钱会影响我的信用分数。
请指教。多谢。 |
V*s
发帖数: 2452 | |
u****r
发帖数: 2053 | 3 是啊，CC的APR多高啊，怎么个想法？
【在 V*s 的大作中提到】
: 借了钱，然后每个月付信用卡约20%的利息？
|
b**********r
发帖数: 3861 | 4 用0apr的offer，，，
【在 u****r 的大作中提到】
: 是啊，CC的APR多高啊，怎么个想法？
|
u****r
发帖数: 2053 | 5 要是50%的话基本在credit utilization这个方面没法涨分，大概30%的信用分数
【在 s****7 的大作中提到】
: 比如我的所有的信用卡的line of credit 是4万。
: 我借2万会影响我的信用分数吗？
: 因为最近想买房子，怕借了信用卡的钱会影响我的信用分数。
: 请指教。多谢。
|
u****r
发帖数: 2053 | 6 像slate那种新申的卡片是吧？还没用过这种从CC offer，你用的感觉怎样？感觉老美
资金周转困那时候好像很爱这种offer。
【在 b**********r 的大作中提到】
: 用0apr的offer，，，
|
s****7
发帖数: 2507 | 7
借1万呢。4万的总line.
xiexie
【在 u****r 的大作中提到】
: 要是50%的话基本在credit utilization这个方面没法涨分，大概30%的信用分数
|
u****r
发帖数: 2053 | 8 摘抄的，from credit.com:
If your revolving utilization stays under 10% you'll continue to earn almost
all of the credit score points available in this category. As that
percentage goes higher, your score will go lower. It's a common myth that
you only need to keep your revolving utilization 50%. That's absolutely
incorrect. 50% is better than 60% but not as good as 40% or 3% like yours.
There's another common myth that could hurt you in this category: some
people recommend that you should close your credit card accounts if you are
not using them. However, closing accounts can cause your utilization rate to
go up and your credit score to go down. If you have an old account you don'
t want, you may want to cut up the card but not close the account. Cutting
up the card will prevent it from being used fraudulently but will leave you
with the unused credit limit for your credit score.
There are a few different ways you can maintain a low revolving utilization
rate. Keeping credit card balances low, increasing your credit limits or
opening new credit card accounts for extra borrowing power could all work.
However, the safest option is to maintain low balances on the credit cards
that you are currently using. Opening new accounts or requesting credit
limit increases could have a negative impact on your credit score.
不知道你信用分数怎么样，可以试试chase slate吧，好像0 apr for 18 months。
新申请的卡也会有新credit，看你的样子似乎不打算用房贷，这种从cc借钱不像房贷车
贷可以帮你涨分。
【在 s****7 的大作中提到】
:
: 借1万呢。4万的总line.
: xiexie
|
s****7
发帖数: 2507 | 9 谢谢
almost
are
to
don'
【在 u****r 的大作中提到】
: 摘抄的，from credit.com:
: If your revolving utilization stays under 10% you'll continue to earn almost
: all of the credit score points available in this category. As that
: percentage goes higher, your score will go lower. It's a common myth that
: you only need to keep your revolving utilization 50%. That's absolutely
: incorrect. 50% is better than 60% but not as good as 40% or 3% like yours.
: There's another common myth that could hurt you in this category: some
: people recommend that you should close your credit card accounts if you are
: not using them. However, closing accounts can cause your utilization rate to
: go up and your credit score to go down. If you have an old account you don'
|
