刚拿到的x25-m，这个结果跑出来正常不？# Hardware - 计算机硬件
z*o
1 楼
坊间传说，capital one不上报credit limit，而是上报历史最高balance.
这样，如果你每个月都花$100左右，那么你的credit usage就一直是在高位（接近100%
），信用记录就不断减。有没有达人验证过这种说法？
source:
If you have a credit card with Capital One, chances are your credit score is
lower than it would be with a different credit card. This is because
Capital One (and possibly other companies) don’t report your true credit
limit.
Part of the calculation for your credit score is your ratio of used credit
to credit available. $100 used out of $10,000 (a ratio of 1%) available is
good. Rather than your real credit limit, Capital One report your highest
credit usage. So if $200 is the highest amount of credit you’ve used, then
your ratio is $100 out of $200 (a ratio of 50%), which is not nearly as good
and can hurt your credit score.
You won’t have any luck trying to get Capital One to report your true
credit limit.
Here’s a reminder: The only website for getting your free credit report is
annualcreditreport.com. If you go to any other website, you run the risk of
being sold something you can get for free. On the other hand, your true FICO
score can only be purchased from MyFICO. Don’t accept any imitations.
这样，如果你每个月都花$100左右，那么你的credit usage就一直是在高位（接近100%
），信用记录就不断减。有没有达人验证过这种说法？
source:
If you have a credit card with Capital One, chances are your credit score is
lower than it would be with a different credit card. This is because
Capital One (and possibly other companies) don’t report your true credit
limit.
Part of the calculation for your credit score is your ratio of used credit
to credit available. $100 used out of $10,000 (a ratio of 1%) available is
good. Rather than your real credit limit, Capital One report your highest
credit usage. So if $200 is the highest amount of credit you’ve used, then
your ratio is $100 out of $200 (a ratio of 50%), which is not nearly as good
and can hurt your credit score.
You won’t have any luck trying to get Capital One to report your true
credit limit.
Here’s a reminder: The only website for getting your free credit report is
annualcreditreport.com. If you go to any other website, you run the risk of
being sold something you can get for free. On the other hand, your true FICO
score can only be purchased from MyFICO. Don’t accept any imitations.
