擁有多種類型的信貸，例如信用卡、分期貸款和抵押貸款，可以對你的信用評分產生積極影響。
Having a healthy mix of credit types, such as credit cards, installment loans, and mortgages, can positively impact your credit score. However, make sure to manage them responsibly.
Maintaining a good credit score is essential for financial stability and future opportunities. One crucial factor that affects your credit score is your credit card balance.
Maintaining a good credit score is essential for financial stability and future opportunities. One crucial factor that affects your credit score is your credit card balance. High credit card balances relative to your credit limit can harm your credit score. It's important to keep this balance low and here's why.
Credit Utilization Ratio
Your credit utilization ratio is the percentage of your available credit that you are currently using. It is a significant factor in calculating your credit score. Lenders and credit bureaus use this ratio to determine your level of risk and financial responsibility. A high credit utilization ratio can indicate that you are heavily reliant on credit and may struggle to manage your debts.
Negative Impact on Credit Score
當您的信用卡使用率超過30%時，會對您的信用評分產生負面影響。信用卡高額餘額表示您可能難以管理財務，並且過度依賴信用卡。這會讓貸款機構在未來更不願意向您發放貸款，讓您更難獲得貸款、抵押貸款或其他基於信貸的機會。
利息支出增加
High credit card balances also result in higher interest payments. Carrying a large balance means you are accruing interest on that amount, which can quickly add up over time. By keeping your balances low, you can minimize the amount of interest you pay and save money in the long run.
總之，保持較低的信用卡餘額對於維護良好的信用評分至關重要。透過管理信用卡使用率並養成負責任的理財習慣，您可以保護您的信用記錄，節省利息支出，並為未來的財務機會鋪平道路。
