TU score 信貸評分

Case A - Yes (I assume you only use $10,000 of all available credit, not each card).

Case B - Yes.

If only debt-to-credit ratio is considered, Case A will have a higher credit score than Case B.

Based on how TransUnion constructs, canceling unused accounts usually won't improve credit but will harm credit condition in the following way:

1. Increase your debt-to-credit ratio

2. Reduce your credit history (the longer the length of accounts, the better it will help to improve credit score)

Also - banks tend to use the length of account to determine promotions.

So the best way to close an account is to discuss with the banks first and see if you can consolidate accounts rather than closing completely.

For Credit and finance solutions I visit this site where you can find all the solutions. http://FINANCEANDLOANS.INFO/index.html?src=5YAPZPovy3gpS1

RE :TU score 信貸評分
在 Transunion union 綱站內之FAQ,
( http://www.transunion.hk/personal/consumersupport/faqs_zh.html?#creditScore )
有以下一項不明白.

"未償還債務－較高的信貸額使用率會降低信貸評分。請在可用的信貸範圍內保持合理...

Case A:
我想明, 如果我有 20 張 credit card, 每張可用信貸額 5萬, 那我便有 信貸額 100萬.
如果我每月Lok 1萬, 那麼 使用率 = 1/100 = 1% ?

Case B:
又如果我只得 1 張 credit card, 信貸額 5萬, 那我只有 信貸額 5萬.
如果我每月Lok 1萬, 那麼 使用率 = 1/5 = 20% ?

那麼, Case A 的信貸評分 會比 Case B 高. 對嗎.?

奇怪的是, 有 card loan centre 的 sales 打來, 叫我 cut 左唔會的 credit card 佢, 話會有助提高信貸評分

謝謝
Follow 2 answers

亞洲聯合財務特快易批私人貸款 推廣期間極易批核
1)半小時內現金到手 還款期任您選擇12-72個月
2)一線財務公司 安全可靠 息口較低
3)無入息証明也能批核 歡迎查詢

需要現金周轉 或清信用卡數目 或至樓宇按揭 都可以為你提供專業意見
有興趣請直接致電 67566558 呂生