i***W
发帖数: 1259 | 1 4张卡过几个月要收年费了，关卡伤credit吗？
伤多少呢？ | h****s
发帖数: 16779 | 2 伤，不过伤多少很难说，一般就一点吧。但是不关能行吗？ | t******n
发帖数: 6242 | 3 开卡的时候已经伤过了，
关卡伤的credit跟开卡比，基本可以忽略不计了
【在 i***W 的大作中提到】
: 4张卡过几个月要收年费了，关卡伤credit吗？
: 伤多少呢？
| s*********t
发帖数: 16647 | 4 the action of closing cc doesn't really impact your credit score. Instead,
it's the subsequent results, ie. the change of your total credit line, the
change of your average credit history (time), that would affect the credit
score.
This is very different from when u open a CC. That action of opening(
applying for) a CC will impact your credit score directly coz the lender
would make hard pulls from 1 to 3 credit bereaus.
【在 i***W 的大作中提到】
: 4张卡过几个月要收年费了，关卡伤credit吗？
: 伤多少呢？
| s*****b
发帖数: 4115 | 5 如果不打算关卡的话，Hard pull也就是12个月之内有影响吧，过后反而更好
【在 s*********t 的大作中提到】
: the action of closing cc doesn't really impact your credit score. Instead,
: it's the subsequent results, ie. the change of your total credit line, the
: change of your average credit history (time), that would affect the credit
: score.
: This is very different from when u open a CC. That action of opening(
: applying for) a CC will impact your credit score directly coz the lender
: would make hard pulls from 1 to 3 credit bereaus.
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