w******o 发帖数: 423 | 1 想问一下,我目前刚申请了一张chase freedom和一张discover,总共4000的credit
line
去年一月申请的第一张secured card,存了一千在里面,现在想注销掉,把钱拿出来,
想请教一下,我这之前的记录就算清空了吗? 历史记录应该还在那里啊,我按时还款
的记录不应该清空吧。
想请教一下,我这样做对信用记录伤害大不大,我最近不买房也不买车。老婆刚准备念
书。 |
i*****n 发帖数: 4 | 2 最早的一张卡关了非常伤信用
历史记录虽然在但是不参与计算信用分
boa的secure card 满一年可以打电话给客服要求拿回deposit
不用关卡 |
f*********1 发帖数: 691 | 3 能转卡尽量转卡,不要取消,这样押金也能拿回来,也就是少个开卡bonus而已。
不能转卡就看你自己掂量了,以你的情况看,取消第一张卡影响日后信用分数至少3年
以上。 |
a******1 发帖数: 507 | 4 一般来说security card都可以转为没年费的卡。如果是boa的卡,不用注销,1年后也
可以把deposit退回来。
建议不要关。
【在 w******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 想问一下,我目前刚申请了一张chase freedom和一张discover,总共4000的credit : line : 去年一月申请的第一张secured card,存了一千在里面,现在想注销掉,把钱拿出来, : 想请教一下,我这之前的记录就算清空了吗? 历史记录应该还在那里啊,我按时还款 : 的记录不应该清空吧。 : 想请教一下,我这样做对信用记录伤害大不大,我最近不买房也不买车。老婆刚准备念 : 书。
|
s**********g 发帖数: 14942 | 5 if u can convert the card to another better card, do it
if not, I personally don't feel it is so much a big deal if u just close it.
Yes it will hurt ur credit at least in the short term, because now ur credit
history goes from 1 year to 0. However, looking at 2 years later, it is
just a 3 years vs 2 years difference.
Secured cards have annual fee and deposits; that is why it may be better to
close it, unlike other non-annual fee cards. However, if u can convert it,
definitely convert it. |
b***k 发帖数: 1661 | 6 Agree with u.
it.
credit
to
【在 s**********g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : if u can convert the card to another better card, do it : if not, I personally don't feel it is so much a big deal if u just close it. : Yes it will hurt ur credit at least in the short term, because now ur credit : history goes from 1 year to 0. However, looking at 2 years later, it is : just a 3 years vs 2 years difference. : Secured cards have annual fee and deposits; that is why it may be better to : close it, unlike other non-annual fee cards. However, if u can convert it, : definitely convert it.
|
g*******w 发帖数: 679 | 7 能转卡尽量转。在FICO scoring model下关闭的账户最多在记录上保留10年。关闭的账
户,只要还在CR上,也会参与计算平均账户年龄,所以在这10年内不会在这方面影响你
的分数。但是,关闭账户后你失去了这部分额度,所以计算utility的时候分母就会小
些。如果你新开的卡保持低利用率的话,关闭原来的账户也不会影响你的分数。 |