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Huaren
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注册时间2006-07-14

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Too-large credit line hurts credit score

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2006-10-28 23:39:00

以下是引用voggieeup!在2006-10-24 16:38:00的发言:

Sure.

Also a quick reminder here: when you have a credit card for long time and decide not to use it in the future, DO NOT cancel it.

Canceling a credit card can hurt your credit score for two reasons:

1. your debit/credit ratio will be higher since your credit limit is lower.

2. your credit history on  this card could be erased from your credit report, which might shorten your credit history. 

很多人都这么说,但这似乎是最和信用记录的目的矛盾的一条。如果通过cancel一个信用卡可以消除和这个卡相关的信用记录,这样的信用记录还有什么用?个人觉得cancel信用卡不会消除你的这张卡上的信用记录,至少你使用信用卡的历史不会因为cancel信用卡而缩短。
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