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Apmācies
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Apmācies
Piektdiena, 27. septembris
Ilgonis, Ādolfs

Barons kvartāls ar uzvaru sāk jauno BBL sezonu

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Waziri
W
While closing the anocuct will impact your score, it should rebound quickly.Make sure to close the anocuct in writing and request written confirmation that the anocuct is closed. This is particularly important with Chase. I closed an anocuct and a year later got a bill for annual fees. Seems they didn't close the anocuct, just lowered the credit limit way down.
Jorge
J
It depends on how long its been open and the ceidrt limit and how much you owe on your other ceidrt cards.If it's you oldest trade line, it could damage your score quite a bit. If it is your biggest limit card it may throw off your capacity ratio. For example, if I have 2 ceidrt cards one with a $ 1000 ceidrt limit and another with a $ 5000 ceidrt limit and I owe $ 500 on the first card then I only owe 8.3% of what I have available, this may lower my score by 4-5 points, BUT, if I close the $ 5000 ceidrt limit, then I owe 50% of what I have availble, cuasing my score to drop by 30-50 points! Capacity is huge.Remember your income is not on your ceidrt report so the assumption is that if you don't use all of your limits, then you don't need the money, but if you do, you NEED the money and must be struggling. Therefore, your score goes down.The FICO is an indicator of financial health and how likely you are to go into bankruptcy. It may be your best bet to leave the card open and not use it very often, if you do, make sure you can pay it off at the end of the month.

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