持有信用卡家數太多會影響貸款？ - 信用卡
By Freda
at 2012-10-29T23:59
at 2012-10-29T23:59
Table of Contents
我一直以為只要如期還款，且全額繳清，長期下來對我的信用評分有幫助，
若要跟銀行貸款上也可能比較方便。
而今天跟一位朋友聊到這，對方說即使信用卡不使用，
但發卡機構已經給你一個額度，這個額度本身就是一個負資產，
若持有額度太高或太多家，是會影響到房貸或信貸評分。
對方說問過兩家銀行理專都是這麼回應，
故來請問板上對授信這塊比較瞭解的板友，是真有這麼一回事嗎？
先謝謝您的回應。
ps. 我不知道板上是否討論過這話題，用幾個關鍵字也查不到相關討論串，
若已有討論過也煩請告知我該討論串代碼，謝謝。
--
若要跟銀行貸款上也可能比較方便。
而今天跟一位朋友聊到這，對方說即使信用卡不使用，
但發卡機構已經給你一個額度，這個額度本身就是一個負資產，
若持有額度太高或太多家，是會影響到房貸或信貸評分。
對方說問過兩家銀行理專都是這麼回應，
故來請問板上對授信這塊比較瞭解的板友，是真有這麼一回事嗎？
先謝謝您的回應。
ps. 我不知道板上是否討論過這話題，用幾個關鍵字也查不到相關討論串，
若已有討論過也煩請告知我該討論串代碼，謝謝。
--
Tags:
信用卡
All Comments
By Mia
at 2012-10-31T13:23
at 2012-10-31T13:23
By Kristin
at 2012-11-05T02:55
at 2012-11-05T02:55
By Kama
at 2012-11-07T22:43
at 2012-11-07T22:43
By Caroline
at 2012-11-08T05:26
at 2012-11-08T05:26
By Suhail Hany
at 2012-11-08T14:42
at 2012-11-08T14:42
By Ida
at 2012-11-13T01:26
at 2012-11-13T01:26
By Franklin
at 2012-11-15T00:07
at 2012-11-15T00:07
By Andrew
at 2012-11-19T07:34
at 2012-11-19T07:34
By Mary
at 2012-11-22T21:00
at 2012-11-22T21:00
By Jacob
at 2012-11-25T00:53
at 2012-11-25T00:53
By Cara
at 2012-11-28T11:05
at 2012-11-28T11:05
By Rachel
at 2012-12-03T07:28
at 2012-12-03T07:28
By Rae
at 2012-12-05T09:12
at 2012-12-05T09:12
By Una
at 2012-12-08T20:53
at 2012-12-08T20:53
By Elvira
at 2012-12-11T20:56
at 2012-12-11T20:56
By Emma
at 2012-12-14T01:35
at 2012-12-14T01:35
By Skylar DavisLinda
at 2012-12-17T10:36
at 2012-12-17T10:36
By Anonymous
at 2012-12-17T15:25
at 2012-12-17T15:25
Related Posts
ANZ簽分期約定書送7-11抵用券100
By Olive
at 2012-10-29T23:17
at 2012-10-29T23:17
花旗饗樂卡__學生 核卡
By Edwina
at 2012-10-29T22:42
at 2012-10-29T22:42
花旗饗樂卡申請失敗
By Franklin
at 2012-10-29T21:03
at 2012-10-29T21:03
兆豐visa金融卡可否成為線上卡友會員
By Freda
at 2012-10-29T21:01
at 2012-10-29T21:01
花旗 饗樂御璽卡 升級心得
By Selena
at 2012-10-29T19:49
at 2012-10-29T19:49