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クレジットスコアについて
- #1
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- kumagong
- 2011/10/19 16:34
クレジットカード等の支払いが遅延するとクレジットスコアが下がるとよく言いますが、期日通りにMinimum Paymentだけの支払いをし、次の支払い期日に再度Minimum Paymentだけの支払いをし…と、それを数か月繰り返した後に残高全額を支払った場合もクレジットスコアって下がるものなのでしょうか?1か月だけなら下がらない気もしますが、数か月も繰り返せばやはり下がるものでしょうか?実際そうしようと思っているわけではないのですが、どういった場合にスコアが下がるのか、知りたいなと思いました。知人は一回カードの利用額の上限を超えてしまっただけで40ポイントくらい下がったと言ってました(すぐに完済したそうですが)。今、私はクレジットカードを4枚持っており、2枚だけ頻繁に使ってます。残り2枚も1か月に1〜2回は使うようにはしているのですが、まったく使わないとなると、これもスコア低下に繋がりますか?解約はスコア低下に繋がると聞いたので、それはしないでおこうと思ってます。クレジットスコアについて、詳しい方、どんな情報でもいいのでお教えください。
- #2
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- kuji
- 2011/10/19 (Wed) 17:13
- Report
ずっと使ってないクレジットカードはいきなりアカウントがクローズされたりするのでたまには使ったほうがいいかも。
- #3
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FICO のスコアは大変ややこしいフォーミュラを使ってるので一概には言えないようですが、毎月最低額しか払わなくても、支払いを滞りなくしているという点ではスコアにはプラスの要素となります。 ただ、ミニマムしか払わないと残高が増えます。 全体のクレディット(4枚合計の限度)と全部のカードのバランスの額と比率がスコアに大きく影響します。 限度が同じで残高が増えると当然スコアにはマイナスの要素となります。 でもカードを持っている期間はどんどん長期間となってるので、そのプラス要因があるので数パーセント残高割合が増えてもスコアがすぐに下がることはないかもしれません。
解約は自分でする場合はマイナスとはなりません。 ただ、クローズすると合計の限度額が下がるので、使わないで持っているほうがよいそうです。 カードの更新時に新しいカードがきても何もせずにほうっておくとクローズされることもあります。
これらは毎週 L.A. Times の金銭相談に書いてあることの受け売りです。
- #4
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- kumagong
- 2011/10/24 (Mon) 14:14
- Report
kuji さん、SGValley、ご回答ありがとうございます。クレジットカードは使っていないとクローズされることがあるのですね。知りませんでした。今まで通り月に数回は使うようにいたします。所有しているカードの合計限度額とバランス額との比率がスコアに影響するんですね。まったく知りませんでした。この比率がどれくらいだと良くないのか、お分かりですか?もしご存知でしたら参考までにお聞かせいただければと思います。貴重な情報ありがとうございました。
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