Is Many Credit Cards with Smaller Balances better?许多较小的信用卡余额更好?

What is Better?什么是好? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances?高少卡余额,或许多小卡余额?
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
My husband and I are preparing to buy a new home.我丈夫和我正准备买一个新的家园. We want to clean up our credit card accounts to better our chances for a mortgage.我们希望我们的信用卡帐户清理更好的机会抵押. We were considering paying off our credit cards with smaller balances using other credit cards.我们也在考虑支付信用卡余额用其他较小的信用卡. What is better when your credit is being considered for a home loan--fewer credit cards with higher balances or more credit cards with smaller balances?当你有什么好信贷正在考虑购屋贷款--少信用卡余额较高或更多较小信用卡余额? The cards we are planning to pay off we are going to have closed so there are fewer credit accounts opened.卡我们策划还清我们会有如此的少封闭贷款帐户开. Is that a smart move?就是聪明之举?
--Christina--芳龄

Christina,芳龄、

Thanks for writing!写作感谢!

That's a great question!那是一个伟大的问题!

I would have to say that having fewer credit cards with higher balances is going to be "better" in most cases.我得说,少生信用卡余额较高是将"好"在多数情况. The reason is because with fewer cards you have a lower amount of available credit and that is certainly a consideration when banks review your credit report, or as I like to call it, your "credit résumé."之所以如此,是因为你有低卡少额信贷,而这是非常可考虑当你的银行信贷审查报告我还是喜欢叫你"信用简历"

Let's look at a few numbers.让我们看看几个号码. Say you had three credit cards.三是你说的信用卡. Each has a $5,000 limit and a balance of $1,000.每有5,0001,000限和均衡. At this point you have a $15,000 limit and $3,000 debt.此时你有15,0003,000限和债务. Many mortgage lenders may view that as a possible unsecured debt of $15,000.许多抵押贷款人认为可能作为抵押债务15,000.

By consolidating all that to one card you'd have a $3,000 balance with a $5,000 limit.一切为了巩固一卡通就得了3,0005,000负债与限制. That's certainly looks more favorably to lenders.这当然看上去更深得人心放款.

Since you have many credit cards you also have some options to get some great rates!既然你有几张信用卡,你还找一些重大选择率! When deciding which credit cards to use to consolidate your debts, be sure to give them a call.在决定使用哪张信用卡,以巩固你的债务,一定要打电话给他们. Tell them, "Here's the deal. I'm consolidating all my debts to the fewest cards possible and closing my other accounts. If you want to keep making money then you'll need to give me a great rate or else I'm gone!"告诉他们,"这里的交易.我巩固了我所有的债务,并可能关闭我的卡最少其他帐户.如果你想赚钱然后就会需要不断给我很大比率,否则我走了!" If the first rep can't do that then ask to speak to their supervisor.如果做不到,那么先证要求发言的上司.

In my opinion, a good rate is 4.9% fixed until it's paid off, 0% for one year, or a 9.99% fixed rate for life on all purchases and charges.我认为,一个好固定利率是4.9%,直至它付清,0%一年固定利率为9.99%或购买所有生活费用. Your options will depend on your history with each credit card and their thirst for profitable customers.您选择将取决于你每个历史信用卡客户和赢利的渴望.

When we purchased our house we had 24 credit cards with a total of $24,000 and still got approved for the mortgage!当我们购买我们的房子,我们总共有24张信用卡和24000美元的房贷还有核定! They didn't say a word.他们没有说一句话. The reason is because we've never had a late payment.之所以如此,是因为我们从来不会迟付款. Paying on time is one of the most critical keys to getting the best deals and having the most credit options.按时缴交是最重要的,关键在于得到最好的最有信用交易和期权.

One more tip.多一个冰山. This is the exception for keeping your cash!这是除现金保管你! Don't reduce your debts by paying them off with cash because you'll need that cash for the down payment and closing costs.你不减少债务支付现金出境,因为您需要现金的首期费用及闭幕. After you're in the new house then pay off the credit cards with any remaining cash.以后你在新房子然后偿还信用卡与任何剩余现金.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

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