剪卡會降低聯徵信用評分? - 信用卡

By Frederic
at 2017-01-05T14:27
at 2017-01-05T14:27
Table of Contents
12/29那天板友分享線上聯徵可加查信用評分
那天查的結果是800分
跨年連假的時候致電客服剪了華南和渣打各一張沒在使用的卡
今天心血來潮想說查一下聯徵看有沒有確實剪卡
確認那兩張卡在聯徵上狀態已變為一般停用
但我也發現信用評分從800變成782分
這幾天我沒有申辦任何信用卡、貸款或當擔保人
也沒有結帳日是在這幾天的信用卡帳單
之前的繳款狀態是全額繳清無遲延
所有帳款資訊和12/29的聯徵報告一致
比對聯徵被查詢紀錄也沒有任何改變
當中唯一的差別就是剪卡
所以剪卡會影響信用評分?
之前那篇線上聯徵可加查信用評分的文章
推文有很多人提到繳款都是全額繳清且沒有任何信用不良紀錄
為什麼沒有800分
搞不好也是因為剪卡?XD
--
那天查的結果是800分
跨年連假的時候致電客服剪了華南和渣打各一張沒在使用的卡
今天心血來潮想說查一下聯徵看有沒有確實剪卡
確認那兩張卡在聯徵上狀態已變為一般停用
但我也發現信用評分從800變成782分
這幾天我沒有申辦任何信用卡、貸款或當擔保人
也沒有結帳日是在這幾天的信用卡帳單
之前的繳款狀態是全額繳清無遲延
所有帳款資訊和12/29的聯徵報告一致
比對聯徵被查詢紀錄也沒有任何改變
當中唯一的差別就是剪卡
所以剪卡會影響信用評分?
之前那篇線上聯徵可加查信用評分的文章
推文有很多人提到繳款都是全額繳清且沒有任何信用不良紀錄
為什麼沒有800分
搞不好也是因為剪卡?XD
--
Tags:
信用卡
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