太杯具了,多花了10刀# Hardware - 计算机硬件
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1 楼
这几天潜水做了做功课,终于申到了第二张信用卡。刚查了自己的credit分数,600多
,主要负面
影响是:
1。只有一张卡
2。信用记录时间太短
3。Ratio of your revolving balances to your credit limits 51%,For High
Achievers ,
this ratio is 7%, on average.
1和2都好理解,就是3很不明白。
我一直设置的自动还款,之前都不知道balance是啥,而且因为卡的额度很小,常常不
到还款日就
自己手动还了,不知道这样是不是不好呢?
最重要的是,请牛人指点一下,我怎么能把balance降低?report上写的:“Keep this
in mind:
...consolidating or moving your debt from one account to another will
usually not
help your FICO score since the same total amount is owed.”
也就是说,再多开信用卡也没用啊,那就只能用debit卡付款才能把balance降低吗?
,主要负面
影响是:
1。只有一张卡
2。信用记录时间太短
3。Ratio of your revolving balances to your credit limits 51%,For High
Achievers ,
this ratio is 7%, on average.
1和2都好理解,就是3很不明白。
我一直设置的自动还款,之前都不知道balance是啥,而且因为卡的额度很小,常常不
到还款日就
自己手动还了,不知道这样是不是不好呢?
最重要的是,请牛人指点一下,我怎么能把balance降低?report上写的:“Keep this
in mind:
...consolidating or moving your debt from one account to another will
usually not
help your FICO score since the same total amount is owed.”
也就是说,再多开信用卡也没用啊,那就只能用debit卡付款才能把balance降低吗?