Answer to some credit card questions.

>1. 手上有多张信用卡， 想close几张，是否会降低score？

Yes. In credit score model, there is a variable called credit utilization, it is calculated by total balance / total credit limit. By closeing unused credit cards, you will make the value of this variable higher. This variable is a negative factor in calculation credit scores.

>2. 主动要求降低信用额度是否会降低score？
Yes, Same reason as above.


>3. 在每次都全额付清的前提下， 信用额度与欠账的比例在什么水平最理想？
Watch out for each card's utilization (balance/credit limit) and total overall utilization, be careful about a few threshhold: 25%, 50%, 75% and 100%. If you are at the border line, make utilization below these threshholds. You should aslo take a look at indicators such as number of cards with utilization >=100%, 75%, 50%, etc.
Make the number lower will help.

Overall speaking, if you don't have delinquency that are 60 days or more (2 pay cycles) or bankcruty, charge-off, or collection information, you should have a credit score 700 and above. All the topics we discussed above will only have minor impact on your credit score.

Also, if you have a credit score >=740
, usually you can to get best term in lending. To lenders, credit score 740 and 800 usually belong to the same lending price (interest rate) tier.