查了信用记录 有一个negative factor 如下,没看懂:
You owe debt on 100% of your revolving accounts.
This lowers your score. High balances are a negative factor because lenders
worry that you are living beyond your means and may not be able to repay
them. This is particularly true for credit cards. For installment loans such
as mortgages and auto loans, lenders often use the proportion of the loan
that is still unpaid to judge your ability to take on new debt. If very
little of your installment loan balances have been repaid, lenders may not
give you more credit that could add to your debt. No matter how high your
income, having a lot of debt may lower your credit scores because lenders
know that adverse changes in your employment and life events such as divorce
or illness may make it harder to pay your bills. Low balances, on the other
hand, are a positive factor because lenders do not stand to lose as much if
you become unable to repay them. However, not using your credit accounts at
all may be considered a negative factor, because it does not provide
lenders with information about how you typically use credit and repay your
debts.
关键是我现在每个balance都保持很低 都是在账单出来之前就换到5%一下,那么这里
的 debt 指的是什么呢? 还是说我的卡都在100%使用呢? 我一共有四张卡,每张卡我
都用了 但是我都保持balance很低
盘专家指导,包子伺候