附帶一些參考資料:
What does cancelling a card do for my credit rating?
There is no definitive answer to this. As we say right up-front in the credit scoring guide, different lenders are looking for different people.
For some lenders, unused credit will be a complete turn-off - they will be apprehensive that if you had a spare £15,000, say, of unused credit, you could go out and spend it in one afternoon, and thus decrease your likelihood of being able to pay them back, if they granted you a card.
However, some lenders will be looking for your credit utilisation - this is a fancy way of saying how much of the credit available to you are you using? Most lenders will want to see a figure around 25% or less (and it's best if it's not all concentrated on one card).
Lenders don't want your utilisation ratio to be 100% - it's a sign you're desperate for credit, and that you can't pay what's owed. But, conversely, they also don't want it to be 0% - they're looking for a repayment history, and if you're not using your cards, they don't have it.
So - there's no definitive answer as to whether you should close down your old cards, because all lenders are different. But, look to strike a happy medium - if you've lots and lots of unused credit, close some cards down, but don't close 'em all - and above all, don't max out.
7. Don't Close Accounts
Even if you pay off revolving debts, do not close the account. The longer an account is open with no negative reports, the better it reflects in your overall credit score. This is due to the weighted-average in the credit score formula. Many credit experts suggest a balance of 30% of your credit limit. That's ideal. But you can go as high as 70% and still maintain a healthy credit score.
附帶一些參考資料:
What does cancelling a card do for my credit rating?
There is no definitive answer to this. As we say right up-front in the credit scoring guide, different lenders are looking for different people.
For some lenders, unused credit will be a complete turn-off - they will be apprehensive that if you had a spare £15,000, say, of unused credit, you could go out and spend it in one afternoon, and thus decrease your likelihood of being able to pay them back, if they granted you a card.
However, some lenders will be looking for your credit utilisation - this is a fancy way of saying how much of the credit available to you are you using? Most lenders will want to see a figure around 25% or less (and it's best if it's not all concentrated on one card).
Lenders don't want your utilisation ratio to be 100% - it's a sign you're desperate for credit, and that you can't pay what's owed. But, conversely, they also don't want it to be 0% - they're looking for a repayment history, and if you're not using your cards, they don't have it.
So - there's no definitive answer as to whether you should close down your old cards, because all lenders are different. But, look to strike a happy medium - if you've lots and lots of unused credit, close some cards down, but don't close 'em all - and above all, don't max out.
7. Don't Close Accounts
Even if you pay off revolving debts, do not close the account. The longer an account is open with no negative reports, the better it reflects in your overall credit score. This is due to the weighted-average in the credit score formula. Many credit experts suggest a balance of 30% of your credit limit. That's ideal. But you can go as high as 70% and still maintain a healthy credit score.
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