[問題] 申請信用卡對於Credit Score影響
因為兩個月之後可能會申請Mortgage Refinance, Credit score是一個考量
目前在Credit Karma上看到的分數大概728 / 745
有關Credit score的影響因子
Excellent：
Credit Card Ultilization (debit / credit line = 0% )
Payment history, never late
Derogatory Masks, never
Good:
Total account #, 13
Very Poor
Age of Credit history:(1 year 6 months) -- 最近一年申請七張信用卡
且來美時間不長
Credit Inquiries 12次, 辦Mortgage 與 Credit cards
如果是這樣 那我辦再多張的信用卡應該對 Credit Score影響有限 對吧？
(只要在我refinance時有720就好）
因為辦信用卡應該只會影響Very poor那兩項
但那兩項已經是最糟的等級 再糟應該也不會糟到哪裡去
而且再辦個幾張 對於Total account #還會有改善
版上大大覺得呢？
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