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高中生
 
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6. 是不是fr这么被关， credit report上会写被银行关了，会有多大问题？
首先我先觉得打酱油的人太多，到处都是patpat的人，除了这个貌似写不出点啥。
关于这第6点，我已经在我的帖子里面已经说过了，被amex关卡和自己关卡，如果不是欠费到期不还或者late payment，对分数影响几乎没有。http://www.moonbbs.com/forum.php?mod=viewthread&tid=1122651&page=1#pid18087825
"Some people won't comply with the review request and instead of waiting for American Express to close their cards they proactively close their accounts themselves. Their goal is to avoid the accounts being reported to credit bureaus as “closed by issuer”
Most of the time that decision is based on a misperception that ‘closed by issuer’ hurts their credit score. It does not. Having an account closed by issuer does not hurt your FICO score. But it still doesn’t look good to anyone manually examining the report since they may assume the account was closed due to a problem or concern and they’re likely to have a concern themselves until they understand it better. (Relatively few requests for credit involve such a manual examination.)
If a bank closes your card because you are delinquent on payments or in default on the card that’ll hurt your credit score — though there it’s the delinquency or default, not the closure, that hurts your score."
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发表于 2015-9-18 07:41:42
楼主
