Credit Cards that Look Better on Your Credit Report信用卡的信用报告,对你好看

Which Credit Cards Look Better on Your Credit Report?而你好看信用卡信用报告?
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
Let me start off by saying I love this website!我先说我爱这个网站! I have a couple of questions.我有二个问题. I have been told that certain credit cards (e.g. Capital One, Cross Country, and others like those) do not carry a lot of weight on your credit report.曾听说某信用卡(例如资本一、越野、和别人一样)不要携带鼓起你信用报告. I was always under the impression that all credit cards carried the same weight.我常觉得所有信用卡进行的相等. What is the truth?真相是什么? My next question concerns paying them off.接下来的问题涉及缴纳出境. I would like to pay off my credit cards.我想我的信用卡支付. Should I just pay them off and try not to use them?要遣散他们,我只是尽量不使用吗? (I have tried this before and failed).(这之前,我曾尝试失败). Or should I just go ahead and cancel them.还是我只是先行取消. I am really getting sick and tired of credit cards and I want to stop using them because they put too much pressure on me.我真的生病了,累了,我想信用卡停止使用,因为他们太多压力我. Please advise.请告知.
Thanks,致谢
--Nichole--蔻

Nichole,蔻,

Thanks for writing!写作感谢!

Great questions!大问题! It certainly does make sense that some credit cards will look better on your credit report.一定意义上说,它并不能使一些信用卡的信用报告对你会更好. However, I would think that it depends on who's looking.不过,我觉得这取决于谁的展望. I'm sure that each bank has their own criteria for deciding how to "score" your report based on its contents.我相信每个人都有自己的标准,银行决定如何"分数",根据你的报告内容. You can get a copy of your credit report by clicking here.你可以得到一份你的信用报告,点击这里.

In fact, my suspicions of this are proved correct after speaking with Norm Magnuson, President of Public Affairs, from the Consumer Data Industries Association.其实,我怀疑这是正确规范马格努森发言后,总统公共事务从消费者数据行业协会.