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Re: I have a related question regarding credit card lim
Posted by saw (more from saw) on Sun, 23 Apr 2006 20:35:48
In Reply to: I have a related question regarding credit card limits, davenew, Sun, 23 Apr 2006 19:06:26
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Debt to Credit is a factor but I think they are looking for ratios where the debt is rather close to the credit limit. I have no idea what the magic forumula is but my impression is that below a certain ratio having an even lower ratio really won't matter. But it can be helpful to a credit score to maintain some degree of head room so it doesn't look like your maxing out.
In fact, having too much credit available can also be seen as an issue when attempting to get additional credit b/c you are seen as having the potential to go on a spending spree and aquire debt your not able and haven't demonstrated the ability to manage. This might not be a formal part of the credit score (not sure) but lenders often consider it in their evaluation.
posted by 69.129.185...
Posts in this Thread:
- OT: Victim of Credit Card Fraud, Gebster, Wed, 19 Apr 2006 19:08:10
- I have a related question regarding credit card limits, davenew, Sun, 23 Apr 2006 19:06:26
- Thanks all for your input! Much appreciated. n/m, Gebster, Thu, 20 Apr 2006 21:06:35
- Re: OT: Victim of Credit Card Fraud, Michel_Mtl, Thu, 20 Apr 2006 19:07:40
- happened to me too, KenManiac
, Thu, 20 Apr 2006 08:33:05 - I hope you didn't give them the code one the back ..., SeeVTSaab, Thu, 20 Apr 2006 07:53:11
- Look at your reciepts as well, NickR, Thu, 20 Apr 2006 04:15:21
- Re: OT: Victim of Credit Card Fraud, soneway, Wed, 19 Apr 2006 21:20:44
- Re: OT: Victim of Credit Card Fraud, saw, Wed, 19 Apr 2006 20:26:11
- Re: OT: Victim of Credit Card Fraud, Dean, Wed, 19 Apr 2006 20:11:26
- maybe card was skimmed during last purchase, Trev, Wed, 19 Apr 2006 19:47:58
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