请问现在iphone4和4s哪里trade in比较合算啊# Apple - 家有苹果
p*m
1 楼
重要指数从高到低
Open Credit Card Utilization Credit card utilization is defined as the total credit card debt you have divided by the total available credit on your credit cards. High credit card utilization can be a warning sign of credit risk.（这不是要越多卡越好吗？）
Percent of On-Time Payments On-time payments are an important component of your credit score. Using your credit responsibly and paying bills on time are great ways to maintain a good credit score.（中国人基本没问题pay清吧）
Average Age of Open Credit Lines Credit history is a significant component of your credit score. As such, the average age of your credit lines can be a strong indication of your credit history. Care should be used in keeping old accounts open, active, and in good standing.（这个和你呆的时间有关）
Total Accounts Both the total number of credit accounts you have and the mix of credit you have will affect your credit score. A healthy mix of revolving credit cards, charge cards, installment loans and mortgages will also impact your credit score.（这不是要越多卡越好吗？）
Hard Credit Inquiries Inquiries for credit, also known as hard inquiries, are placed on your credit report whenever you apply for credit. These results are the inquiries for credit over the last 2 years. It is important to note that soft inquiries, like the type used by Credit Karma, do not impact your credit score and are not counted in this metric.（在信用分数里的成分这么低）
Derogatory Marks Accounts in collections, bankruptcies, civil judgments, and liens are items on your credit report called derogatory marks. To maintain a good credit score you should avoid any derogatory marks on your credit report. It can take from 7-15 years for a derogatory mark to be cleared from your credit history.（这个应该没问题吧）
Total Debt Tracking your total debt is a good way to gauge your financial health. When lenders evaluate your credit, this is often a key metric they review.（for me is n/a）
Debt to Income Ratio Your Debt to Income (DTI) ratio compares the difference between your monthly income and the monthly amount you spend to maintain your debt. It is often a metric used when evaluating loan applications. In general, the lower the DTI, the better the credit risk.
Monthly household income is not on the credit report. Please enter your
monthly pre-tax income for your household to see how you compare.
Reported Monthly Household Income (for me is n/a)
卡越多越好，信用额越高越好，每次pay清，不要给人告，hard pull不值钱，少关卡
hard Inquiry damage is so overrated
Open Credit Card Utilization Credit card utilization is defined as the total credit card debt you have divided by the total available credit on your credit cards. High credit card utilization can be a warning sign of credit risk.（这不是要越多卡越好吗？）
Percent of On-Time Payments On-time payments are an important component of your credit score. Using your credit responsibly and paying bills on time are great ways to maintain a good credit score.（中国人基本没问题pay清吧）
Average Age of Open Credit Lines Credit history is a significant component of your credit score. As such, the average age of your credit lines can be a strong indication of your credit history. Care should be used in keeping old accounts open, active, and in good standing.（这个和你呆的时间有关）
Total Accounts Both the total number of credit accounts you have and the mix of credit you have will affect your credit score. A healthy mix of revolving credit cards, charge cards, installment loans and mortgages will also impact your credit score.（这不是要越多卡越好吗？）
Hard Credit Inquiries Inquiries for credit, also known as hard inquiries, are placed on your credit report whenever you apply for credit. These results are the inquiries for credit over the last 2 years. It is important to note that soft inquiries, like the type used by Credit Karma, do not impact your credit score and are not counted in this metric.（在信用分数里的成分这么低）
Derogatory Marks Accounts in collections, bankruptcies, civil judgments, and liens are items on your credit report called derogatory marks. To maintain a good credit score you should avoid any derogatory marks on your credit report. It can take from 7-15 years for a derogatory mark to be cleared from your credit history.（这个应该没问题吧）
Total Debt Tracking your total debt is a good way to gauge your financial health. When lenders evaluate your credit, this is often a key metric they review.（for me is n/a）
Debt to Income Ratio Your Debt to Income (DTI) ratio compares the difference between your monthly income and the monthly amount you spend to maintain your debt. It is often a metric used when evaluating loan applications. In general, the lower the DTI, the better the credit risk.
Monthly household income is not on the credit report. Please enter your
monthly pre-tax income for your household to see how you compare.
Reported Monthly Household Income (for me is n/a)
卡越多越好，信用额越高越好，每次pay清，不要给人告，hard pull不值钱，少关卡
hard Inquiry damage is so overrated
