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クレジットスコアアップ!!
- #1
-
- カード初心者
- 2006/12/03 16:14
はじめまして。
最近初めてクレジットカードを持ちました。今はスコアを稼ごうと、何にでもカードを使い、毎月フルで返すことを心がけてます。
が!!最近ある噂を耳にしました。。
クレジットリミットギリギリに使うと、スコアが下がる。
というものです。。これって本当なのでしょうか?
あと、車のローンなどを予定より早めに払い終えてしまうと、スコアが下がると聞いたのですが本当でしょうか。。(いいことだと思ってたのに・・)
他にも、クレジットスコアを上げる方法、逆に下げちゃうのでやめたほうがいいことなどご存知でしたら教えてください!!よろしくお願いします。
- #2
-
- メンバー
- 2006/12/05 (Tue) 20:58
- Report
私もあまり詳しくありませんが、知っている限りでお伝えします。
カードを使ったら、出来るだけ毎月フルで返すことが一番ですが、もし残高が残っている場合、リミットの半分以下になっていることが大事です。 リミットが3000ドルなら、残高を1500ドル以内にするってかんじです。
それから、短い期間のうちにたくさんのクレジットアプライをしないことです。
それから、大きな買い物(車など)を短い期間のうちに何度もするとスコアが下がります。
- #4
-
私も、車のローンを早く払い終えちゃうと、クレジットヒストリーが悪くなるって聞きました。
クレジットリミットについてはどうなんですかねぇ?もし本当にそうなら困りますけどね?
- #3
-
- ぶんぶん丸
- 2006/12/06 (Wed) 01:09
- Report
他には銀行が発行しているクレジットカードを使うと、普通のカードよりもスコアがあがりやすいです。
Posting period for “ クレジットスコアアップ!! ” has been closed.
Please create new topic to continue the same topic.
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