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发帖数: 1983 | 1 http://finance.yahoo.com/banking-budgeting/article/113604/moves
4 Moves That Can Lower Your Credit Score
by Lisa Gerstner
Tuesday, October 4, 2011
You may be damaging your score without knowing it.
Most people know that paying bills late can play havoc with your credit
score. But not every move that shaves points from your credit score is so
obvious.
. Charging a Big Balance to a Store Card
You're tempted to buy thousands of dollars' worth of furniture or appliances
and charge it all to a store credit card that doesn't require payments for
six months or even a year—and sometimes longer. But debt that sits
untouched could drag down your score, especially if the balance is near the
card's limit, says John Ulzheimer, president of consumer education at
SmartCredit.com. That's because your credit-utilization ratio—the amount of
debt you have relative to your credit limits—is calculated for balances on
individual cards as well as overall. In addition, store cards tend to
charge steep rates, so if you don't pay the balance before the interest-free
period is over, you will rack up big charges.
2. Trashing a Parking Ticket
Parking and speeding tickets, library fines, and other dues to the
government left unpaid won't go directly to your credit report. But if they
are eventually reported to a collection agency, they could damage your score
. That goes for anything that could go to collections, such as unpaid rent
and medical bills. And even if you pay up, collections will appear on your
report for seven years.
3. Stuffing Your Wallet With Cards
If you've had a handful of cards for years, they won't hurt your score. But
if you open several new accounts in a short period, your score is likely to
take a hit, and you may not benefit immediately from expanded credit limits.
4. Transferring a Balance to a New Card
The inquiry on your report from the new lender may shave a few points from
your score, but the real problem is what you do with the old account. If you
close it, your overall credit limit could go down, and your credit-
utilization ratio will increase if you have debt on any remaining cards.
Your best bet: Leave the old account open but keep a zero balance. | P*********g
发帖数: 1336 | 2 WOW。
我怎么着好像占了3条。
1. 正准备CHARGE两个卡，分别是CREDIT LIMIT的90%。钱不够花了。 0% APR.不过要付
3%。
3. 钱包里面才5－6张卡。大半放家了。
4. 正准备关掉两个DISCOVER。好多地方用不了。 |
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