没有好好做功课，想问一个关于信用卡的问题

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威望25

贴子2719

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dugubin

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没有好好做功课，想问一个关于信用卡的问题

1352

2005-12-09 11:30:00

只用一个信用卡能更快的积累信用

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威望25

贴子2719

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dugubin

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2005-12-10 16:58:00

以下是引用mingxing在2005-12-10 12:07:00的发言：

How can I improve my score?

•	Pay your bills on time.
•	Keep balances low on credit cards.
•	Limit your credit accounts to what you really need. Accounts that are no longer needed should be formally cancelled since zero balance accounts can still count against you.
•	Check that your credit report information is accurate.
•	Be conservative in applying for credit and make sure that your credit is only checked when necessary.

可是只有一个, BALANCE肯定很高. 偶们现在就是这样.

Is your credit card 5% cash back? any benefit for using it?

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威望25

贴子2719

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dugubin

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2005-12-11 15:30:00

以下是引用corail在2005-12-10 23:23:00的发言：
其实所谓“积累信用记录”，只要你有了第一个credit card，就开始积累了，跟你后面用几个卡都没关系。至于信用记录的好坏，在平时也没什么区别，到了要买车买房的时候再尽量降低balance等等就可以了。现在很多人都同时用几个卡，因为不同的卡有不同bonus啊，不用多亏。无所谓的。

"只要你有了第一个credit card，就开始积累了" that's only for credit history.

if you have late payment for your second or etc. credit card, your score will be lower.

if you abuse your credit cards, and your credit card is closed by the company. it will be very difficult for you to apply for new card

"到了要买车买房的时候再尽量降低balance等等就可以了。"

correct!!!

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