关于信用度！

xxxmenxxx

今天查的自己信用度，有信用卡都快8个月了，信用才655， 说是因为Your revolving account balances are too high . High levels of debt can signal to potential lenders that you are spending more than you can afford. It is a good idea to use your credit cards regularly but remember to keep your balances below 35 percent of your available credit limits. If you have balances above 35-50 percent, you could see your credit score start to drop.


这是真的吗，本还以为用越多越好呢！  只能用35%？

精打细算

655 比一般加拿大人650好多了。

xxxmenxxx

那是不是只能用LIMIT的35%啊？？

edchinese

简单的回答：不是。详情请见我“信用卡问题有问必答”内的答复。

小桥流水人家

请问你怎么查的？


* K/ H1 Z: p8 n7 P[quote]原帖由 xxxmenxxx 于 2007-12-3 15:39 发表
今天查的自己信用度，有信用卡都快8个月了，信用才655， 说是因为Your revolving account balances are too high . High levels of debt can signal to potential lenders that you are spending more than you can  ... [/quote

享受生活

原帖由 xxxmenxxx 于 2007-12-3 20:23 发表
9 J7 ?* V, i9 v# Y; c2 v8 ^' V3 }那是不是只能用LIMIT的35%啊？？

最好不要超过你的LIMIT的35％，否则会影响你的信用分数。如果你不打算在未来18个月内贷款或者申请信用卡，信用分数再低，也无所谓

享受生活

原帖由 小桥流水人家 于 2007-12-6 22:07 发表
请问你怎么查的？

https://www.econsumer.equifax.ca ... /view/home/home.jsp
http://www.transunion.ca/
3 B4 X/ }, _4 Q0 r+ I
[ 本帖最后由 享受生活 于 2007-12-6 22:43 编辑 ]

享受生活

From December TransUnion Newsletter
- X4 w! I1 z- N; r: J( Y
: x! U9 X& }7 N: q; ]: UHoliday credit tips to keep you merry

; S( ]4 o* T* F2 ^It's the most wonderful time of the year—a time for family and friends, festive decorations, holiday cheer, and of course, shopping. According to Statistics Canada, consumers are likely to spend an average of $800 during the holiday season. Just think of how all that spending will affect your credit profile and credit score.

+ a/ p: j, @& A+ ANow is the time a budget really matters. But there's no need to be a Scrooge this holiday. All it takes is a little planning and dedication to keep the spirit of the season of giving alive, without the worry of huge bills.

Make a list. Check it twice.
/ \1 i+ F2 s( Q$ }Before you start your holiday shopping, determine how much you can afford to spend. Make a shopping list with gift ideas and spending ranges for each person. Be sure to include prices for holiday extras, such as decorations, wrapping paper, and cards. Sticking to a list can keep you from impulse purchases and overspending. Once you have a list, you can even use it to shop online to find the best deals.
5 S- r1 M* z1 z
2 E2 q1 e5 T8 O! SSpend wisely.
Develop a workable budget for your holiday needs. Prior to shopping, research your limits to avoid overusing your cards (you should keep your credit card balances well below 35% of your available limit). Choose just one credit card to use for buying gifts. You could also just use cash, which is much easier to track while shopping.

And be careful about opening in-store credit cards. Though it can be tempting to save 15% on your holiday purchases, consider this: the interest rates can be high and applying for a lot of cards can damage your credit score.

Plan ahead.
Start your shopping early to avoid overpaying. Find a plan to pay off your holiday debt quickly so you're not swamped with bills well into the New Year. You can start saving money ahead of time for the January bills by cutting back on small things such as specialty coffee and dining out. It all adds up!
; z' F- q3 c6 |
& h& ]9 y9 i, h5 W; fIf you are already struggling with debt, try not to go further in to debt during the holiday season. Get creative and make your gifts this year. Homemade cards and baked goods will go far with friends and family.
$ P1 J+ j/ ?- J& ~4 u4 T' e% i, i
Guard your goods.
4 G; I5 c/ N# a1 C6 t- r% B# wNot everyone is on the "nice" list this season. So protect yourself from identity theft: shred unwanted receipts to keep your personal information safe; pay close attention to your statements to ensure there are no unauthorized purchases; while shopping, keep your handbags and wallets close, as it's easy to get caught up in the hustle and bustle of the holiday season and lose track of your things. And if you choose to shop online, always use secure sites.