信用卡对信用有多大影响

os1

信用卡对信用有多大影响
某人关卡损失了200分。

10 things to avoid in order to maintain a healthy credit score:

1.Missing a repayment
2.Maxing out your credit limit
3.Applying for balance transfers too often
4. Closing credit cards that have a good repayment history
Another common mistake that people make is closing credit cards that they’ve faithfully repaid for years.
You may think it makes sense to close a credit card if you’ve paid it off completely and you no longer need to use it – and it does make sense – but keep in mind that a “good account” like this helps your credit score. Closing the account means it will no longer be helping your credit report look reputable to lenders.
5.Applying for several credit or loan products at once
6.Getting a judgement
7.Ignoring errors on your credit report
8.Not alerting creditors when you change your name
9.Borrowing money to boost your credit score
10.Not regularly checking your credit report

canstar.com.au/credit-score/10-ways-ruin-credit-score/

明月星光

以后所有名下金融产品信息都可以查到，信用分就没这么重要了……

fybs

有信用卡，贷款额度就少了啊。
信用分重要还是你能多贷钱出来重要？

Vision1017

fybs 发表于 2018-7-13 16:34
有信用卡，贷款额度就少了啊。
信用分重要还是你能多贷钱出来重要？

贷款额还看信用分么？

不然贷款前连续关几张卡，分数就惨不忍睹了，不会连着影响贷款吧

vampire_k

可以自己查信用等级吗？

os1

vampire_k 发表于 2018-7-15 07:35
可以自己查信用等级吗？

google.com.au/search?q=free+credit+file+check&source=lnt&tbs=qdr:m&sa=X&ved=0ahUKEwiG1K-x3KDcAhVDLpQKHUMfDDYQpwUIIQ&biw=1229&bih=608

free credit file check

os1

Vision1017 发表于 2018-7-15 02:08
贷款额还看信用分么？

不然贷款前连续关几张卡，分数就惨不忍睹了，不会连着影响贷款吧

近期要是准备贷款的话，还是尽量不要碰信用卡。
按澳大利亚最大的财务比较网站Canstar的说法，开卡和关卡都要损失很多分。

encoding

os1 发表于 2018-7-15 18:55
近期要是准备贷款的话，还是尽量不要碰信用卡。
按澳大利亚最大的财务比较网站Canstar的说法，开卡和关卡 ...

还有第三条非常重要！
”Applying for balance transfers too often“ －－这条会让你损失很多信用分，有些人以为Balance转来转去能省钱，其实是捡了芝麻丢了西瓜。

Mr.Yuan

encoding 发表于 2018-7-15 19:08
还有第三条非常重要！
”Applying for balance transfers too often“ －－这条会让你损失很多信用分，有 ...

本身就是一个credit enquiry