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Huaren
等级大校
威望35
贴子28524
魅力29974
注册时间2005-06-24

tarpoo

只看楼主

[求助]新手再问信用卡

1575

17

2006-09-12 13:31:00

重雪班班和各位高手,偶现在又有问题哈:


偶到这里因为很长一段时间没有申请到信用卡,所以就乱投一气,没有想到AE, citi, capital one,
FNB,Norlanco等等都申请到啦,偶现在又不想有太多卡,怕管理不过来,所以,capital one,
FNB都没有active呢。。。那这样会不会算入偶的信用记录呢?偶还有没有必要去cancel呢?





另外,去逛VS(介个不晓的是不是CC)的时候也让偶申请一个啥卡,因为前阵子回国也没有收到她家的卡,前两天看有个JM说很凶险的说。。。介个东东是不是应该赶紧去cancel掉,以防患于未然噢。



先谢咯啦:D





Huaren
等级贵宾大校
威望38
贴子18650
魅力23649
注册时间2005-08-12

vegetarcat

只看他

2006-09-12 14:38:00

omg,u opened 5-6 accounts at one time?

查一下你信用分数先

Huaren
等级少尉
威望3
贴子1702
魅力4694
注册时间2003-02-03

1976

只看他

2006-09-12 14:45:00

No, just do not active those that you do not need (this is in case you lost them, or someone stolen them).

yes, those not active ones will show up in your credit report. But if you cancel them, they will also show up. So why cancel? (since it is likely you will need them later).

Huaren
等级中尉
威望2
贴子2082
魅力2613
注册时间2006-01-03

gelsemium

只看他

2006-09-12 16:20:00

是不是学生?觉得专为学生打招的信用卡比较好申。
Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

只看他

2006-09-13 00:54:00

Even though those cards havent been actived, they will show up in your credit report (as what 1976 has mentioned above). 

The credit card company approved and issued you the card.  It's now your turn to choose whether use/active it or not.  It will distress your credit report more or less if you have too many cards on hand.

Huaren
等级等待验证会员
威望1
贴子670
魅力1094
注册时间2006-04-04

小小鱼儿

只看他

2006-09-13 16:33:00

我认为应该activate,不用就放在家里,但是一定要保管好!!千万不能乱丢!
Huaren
等级大校
威望35
贴子28524
魅力29974
注册时间2005-06-24

tarpoo

只看楼主

2006-09-14 12:34:00

各位大大,谢谢回复。



看完各位的回复,偶现在的逻辑就是既然这些卡都已经在偶的记录上啦,不如就索性close掉?因为记得有谁说过信用卡太多,分数也会降低的,如果
close,偶也就不担心掉卡,管理不过来之类的问题啦。偶觉得,close卡,会暂时降低偶的分数,但是如果偶在这之后老老实实的pay账单,分数会不
会涨上去呢?不知道偶的逻辑对不对,欢迎各位大大继续拍砖:)



其实偶现在也不晓得这个分数对偶有多重要,不过防患于未然总是好滴,嘻嘻



gelsemium,就是因为是学生。。。所以不懂,一个劲申请,这下知道惨了。。。


Huaren
等级等待验证会员
威望1
贴子670
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注册时间2006-04-04

小小鱼儿

只看他

2006-09-14 15:44:00

既然卡都开了,不论OPEN还是CLOSE都会显示在你的信用记录上,OPEN比CLOSE要好~建议LZ把大卡留下,店里的杂卡不用就关了吧。
Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

只看他

2006-09-14 16:31:00

以下是引用tarpoo在2006-9-14 12:34:00的发言:

如果你按时交帐单,你的信用分数will absolutely get improved.  Here are some other tips:

Tips for Improving Your Score

  • Monitor your credit report and dispute errors. Errors in your report will usually translate into a low score.
  • Pay your bills on time even if it means you can only pay the minimum amount due.
  • Low balances are a positive factor in scoring models. Don't use all your available credit.
  • New credit applications can detract from your score. Even an application for a department store card can lower your score. Multiple applications can have a devastating effect on your score, especially around the time you are shopping for major purchases like a car loan or mortgage.
  • Old accounts (even those you haven't used for a long time) can help your score. Scoring models look at not just how to use credit today but also how long you have used credit.
  • Consolidating balances or moving debt around may make for one easy payment, but this can have an adverse effect on your score. Shuffling of balances could be especially harmful to your score if you close established accounts and open new accounts to consolidate your debt.
  • Ask your lender what scoring model it uses. With new scoring models like the credit bureaus' VantageScore, it is easy to get confused. A number score alone will not tell you where you stand.
  • Know the going interest rates. Current rates for mortgages, car loans, and other consumer credit are published in daily newspapers or can be found online at such sites as www.bankrate.com. If you have a good credit score but are not offered a good interest rate, ask questions, negotiate, or shop elsewhere.
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Huaren
等级大校
威望35
贴子28524
魅力29974
注册时间2005-06-24

tarpoo

只看楼主

2006-09-21 14:33:00

谢谢班班和各位大大的解惑。





费劲千辛万苦终于查到偶的credit report了。很郁闷的说,也是自己很不上心,居然把user's name and
password忘的一干二净,只能打电话去verify,电话那头居然啥都问,包括申请信用卡的月份还有credit
limit,卡号。。。大家也知道偶有N多卡,所以搞的偶是手忙脚乱满头大汗!偶稍微回答慢一点点,电话那头就觉得偶是在骗人,而且极度不耐烦,真是急死
偶了,NND很想投诉这个接线员,可惜她greeting那段没有上心听。。。





仔细看了记录,都是正确的,偶就放心的说。不过让欧下定决心close掉一些不用的卡,早死早超生嘛:)加之看了喵喵喵对credit score分析的文章(虽然没有说close一张卡要扣多少分),更加坚定偶这一决定。象班班说的,老老实实付帐,应该会涨起来的。





舍不的付$5.99看score,只看了report,发现没有错,是不是这就足够了呢?还是应该出点血,看看呢?欢迎各位继续拍砖:)先谢谢了!





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