f********e
发帖数: 1984 | 1 Which way is better for the credit score when you make a payment on your
credit card?
1. Do you guys set up the automatic payment or you pay it monthly all by
yourself?
2. If making an automatic payment, should I pay the money on the last
statement or pay the current balance?
3. It is said that keep the balance/credit limit % around 4-5% can raise the
credit score.Is there a way of setting an auto pay to keep the balance like
that?
Thank you very much. | r*****n
发帖数: 139 | 2 auto pay is kinda useless as long as you can remember to pay the bills. (use
google calendar)
Always pay full balance. Paying interests will not help you. I think depends
on what are you going to use you score for, there are different tactics.
Say if you are not buying house/car in the short future. I will try to get a
few good credit cards, and in the long run, your average credit line age
will be longer, and higher Credit line is a + for your score.
THE BEST way you can get a better score is getting older... which is sad, I
know. | f********e
发帖数: 1984 | 3 getting old is sad
maybe buy a house in 1.5 years
use
depends
a
I
【在 r*****n 的大作中提到】
: auto pay is kinda useless as long as you can remember to pay the bills. (use
: google calendar)
: Always pay full balance. Paying interests will not help you. I think depends
: on what are you going to use you score for, there are different tactics.
: Say if you are not buying house/car in the short future. I will try to get a
: few good credit cards, and in the long run, your average credit line age
: will be longer, and higher Credit line is a + for your score.
: THE BEST way you can get a better score is getting older... which is sad, I
: know.
| r*****n
发帖数: 139 | 4 depends how long have you stayed in the states. How much is your current
score.
If you are buying a house in that short time, then I won't suggest you to
apply any new credit card. Just try to use CC for paying everything, and pay
the full bill each month. | f********e
发帖数: 1984 | 5 I have been here for a long time, around 10 years.
but my credit score is extremely low. 650 or so because of several serious
late pays. I am so regretful but can't help.
I just started financing a new car. I knew with the low credit score, I
couldn't get a good rate, but I still got it and hope this can help to raise
the score when I buy a house.
pay
【在 r*****n 的大作中提到】
: depends how long have you stayed in the states. How much is your current
: score.
: If you are buying a house in that short time, then I won't suggest you to
: apply any new credit card. Just try to use CC for paying everything, and pay
: the full bill each month.
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