怎么才能提高信用卡的额度啊

caoebb

我申请了一张pc的MasterCard，信用额只有1000，不够用啊！
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annie66

多刷卡，按时还钱

海妮妮

用6个月后再去要求增加限额。

三月三

你可能以前没什么信用记录，我申请了一张pc，给了我5000，我都闲太高，有风险。多刷卡，慢慢就好了。

冬天到了

奇怪，我申请了两次PC MASTER CARD,都被据了，哪位知道为什么吗？谢谢！

蓝天

用了5个月的PC，今天一查，信用额度莫名其妙的从$4000提高到了$5500，从没要求过，真是不解！
  c/ |) L, G* C! ~要那么多额度干麻，真用不完！

竹帘儿

原帖由 蓝天 于 2006-11-1 23:14 发表
) [8 e. a- i  I$ o用了5个月的PC，今天一查，信用额度莫名其妙的从$4000提高到了$5500，从没要求过，真是不解！
" X* r- k5 k" p  Q) H' @+ v2 }要那么多额度干麻，真用不完！

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7 i  e' {% T/ V2 z4 }3 N- U* n* m可以打电话要求他们给你降低额度.

caoebb

原帖由 蓝天 于 2006-11-1 23:14 发表
用了5个月的PC，今天一查，信用额度莫名其妙的从$4000提高到了$5500，从没要求过，真是不解！
要那么多额度干麻，真用不完！

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额度高点有个什么大点的花销可以应急啊

caoebb

原帖由 三月三 于 2006-11-1 22:19 发表
你可能以前没什么信用记录，我申请了一张pc，给了我5000，我都闲太高，有风险。多刷卡，慢慢就好了。

请问有什么风险啊？我以为越高越好呢

whoswho

you should have received one month statement telling you the new credit limit. You can find the message at the end of the statement.

whoswho

多刷卡 (close 1000)，按时还钱, then your credit limit will be increased

精打细算

原帖由 冬天到了 于 2006-11-1 22:50 发表
奇怪，我申请了两次PC MASTER CARD,都被据了，哪位知道为什么吗？谢谢！

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2 \# w- ~; V  v5 Y* n; o- e别再申请啦， 你的 beacon score 已经够坏啦。 现在，建议你到银行申请有抵押的信用卡， 俺刚过来时就因为没有信用额， 就到银行给抵押作贷款， 借自己钱2-4个月才申请。过两年后，每申请卡都有1万元的信用额啦， 那时我还没有工作。

精打细算

原帖由 whoswho 于 2006-11-2 10:28 发表
8 P# }9 S5 f1 ]) ]多刷卡 (close 1000)，按时还钱, then your credit limit will be increased

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no no no.. dont do it.   If you credit limit is 1000 and you use 1000, the bank will see you as desperate for money. this is bad for you beacon score.
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It is good to have a few cards and each having balance of 30% and you can clear them off every month. Do it for 6 months and your beacon score will improve faster.

whoswho

really? but my credit limit increased.

whoswho

Hi, how did you get that 30%?  I hold a visa, but I use only pc mastercard. Then do you mean I am best use both cards? Thanks.

北极熊

原帖由 精打細算 于 2006-11-2 10:34 发表
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no no no.. dont do it.   If you credit limit is 1000 and you use 1000, the bank will see you as desperate for money. this is bad for you beacon score.

It is good to have a few cards and  ...

精打细算

if you need to increase your score, it's a definate yes. creditor wants to see you use those cards as convenient, not desperate. For me, I do not want any better as I already over score of 750, there is no need for any better as anything higher tells that you are better than average Canadian/US. The better score you have, the lower interest rate you can ask from a bank/credit company, and they will also gets you higher credit. I have no less than 5-6 junk mail asking me to get a loan from them every week and that I have to call and get these people to remove my name from the list.

柏林

让自己收入高一些.

精打细算

原帖由 柏林 于 2006-11-2 14:46 发表
让自己收入高一些.

Beacon score does not look at your income. You may have high pay job and no debt, that can only means you have nothing on record. Income can only be a measurement for your creditor to consider, either to get you higher credit or not, if you can afford it.  Beacon score is very complicated but on a nut shell, they look at your credit history, how prompt you pay them off, and how high of credit you were given in the past, they will then go into query history and see how many times you look for credit, and for what purpose. remember, someone who tend to ask for money from many banks is someone desperate for money. So, if you asked too frequent, they will also impact you.

Finally, I will advise everybody to at least request for your Equifax report once a year to know how do you do on the report. This will not affect your score but you can detect any fraud at early stage. Find any suspecious query and call the company asking why and who authorized for your credit report check. If it is not you, be very cautious !!!

caoebb

长知识了，谢谢

penn26

原帖由 精打細算 于 2006-11-2 14:55 发表
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Beacon score does not look at your income. You may have high pay job and no debt, that can only means you have nothing on record. Income can only be a measurement for your creditor to conside ...

那请问：如何查询自己信用记录？网址和费用各如何？多谢！

精打细算

原帖由 penn26 于 2006-11-3 00:18 发表


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  S4 X) Z# w8 o9 z. S那请问：如何查询自己信用记录？网址和费用各如何？多谢！

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4 W2 z! _5 Q6 F1 y每年可免费查询自己的信用评级。 加拿大有三家信用评级公司。 Equifax.ca, Transunion 最多人使用。可打电话查询， (通常需时一至两周回复)。 也可以通过网上付费马上得到报告。

penn26

原帖由 精打細算 于 2006-11-3 05:05 发表
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" \: b$ M5 `3 R/ Y7 F每年可免费查询自己的信用评级。 加拿大有三家信用评级公司。 Equifax.ca, Transunion 最多人使用。可打电话查询， (通常需时一至两周回复)。 也可以通过网上付费马上得到报告。

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多谢楼上的及时答复，另请问若因有更好的选择，打算在某银行销户，这样会影响自己的信用吗？

精打细算

no

蓝天

[

原帖由 竹帘儿 于 2006-11-1 23:24 发表
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& H" G6 P/ V0 U( M2 v可以打电话要求他们给你降低额度.

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( N1 N! ^& O7 z, i谢谢！
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7 S5 u. p; G" l[ 本帖最后由 蓝天 于 2006-11-4 00:06 编辑 ]

蓝天

原帖由 whoswho 于 2006-11-2 10:23 发表
3 g1 {- k. j; ]) [# Gyou should have received one month statement telling you the new credit limit. You can find the message at the end of the statement.

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  U0 O8 ~1 ^8 U0 ^* t9 r- T# Z5 BO.K.
" c7 x9 }( p/ w' a1 `+ ~4 C* DThanks

billzhao

也张了不少见识. 精打细算是专家啊, 而且好象懂的东西很多, 佩服佩服

魂游天外

YES！还要等待一定的时间(各金融机构掌握的时间不同)。

原帖由 annie66 于 2006-11-1 23:15 发表
多刷卡，按时还钱

魂游天外

米兔。

原帖由 whoswho 于 2006-11-2 11:44 发表
3 K. y+ `7 N; `' X% creally? but my credit limit increased.

猪刀小试

绝对长见识～