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American credit card 6 big trap, don't take a stroke!buy university diplomas

Whether you're looking for a rental apartment or starting a new phone contract, your credit score is important.
It is reported that the borrower and the third party will check your credit to evaluate whether you a high-risk borrowers, credit scores will determine whether or not you can successfully apply to the dream apartment downtown.
What is clear is that your credit score is an important part of your financial health, and your credit card usage habits and history are the main factors in building credit scores.
The average credit score is 667, according to a new study by Experian.
If you're trying to improve your credit score -- or simply want to maintain your current credit score -- check out the six credit card traps that YMG has compiled.
Accumulate high credit card debt
 
Even if you pay off your credit card bills in full every month, you may still be damaging your credit card scores.
30 percent of your credit score is made up of your credit - credit usage - the usage rate is due to your credit card loan divided by your overdraft.
If you want a good credit score, you need to keep your credit line usage at a relatively low level.
Independent credit card expert John Ulzheimer suggested a good idea: "keep your credit card debt above 10% of your overdraft limit."
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Have the habit of late payment
 
Consumption history will make up 35 percent of your credit score, which is a big deal.
It means that you can weaken your credibility by missing an overdraft.
Fortunately, there are some things you can do to avoid this.
One option is to link your debit and credit CARDS with automatic repayment.
Or you can set up reminders such as text messages and emails to remind you when the repayment day comes.
Never check your credit report
 
Every 12 months, you will be entitled to a free credit report from the three major credit consulting firms (Equifax, Experian, and TransUnion).
There may be due to the report you cannot control error, such as they will be your people with the same credit records used for assessment of your credit score, or to mix business account with your personal account assessment - you need to review each report about you.
In fact, one in four americans will find mistakes in their credit reports, according to a 2013 Federal Trade Commission survey.
Fortunately, these mistakes can be fixed, as long as you contact the relevant credit consulting company at the first time you find the error.
Note: your credit report contains only your credit score. It's not really your credit score. Buy certificate buy university diplomas buy college diploma buy high school diploma
 
 
Opening too many credit CARDS at once
 
Every time you apply for a credit card, your credit report is triggered a "difficult question" that can be deducted from your credit score of 5 points.
Although a small number of deductions may not seem like a big deal, continuing to apply for a lot of credit CARDS can obviously hurt your credit score.
Also, every time you open a new credit card, you can shorten the average age of your credit accounts, which hurts your credit history record length, and this part of the make up 15% of your credit score.
 
Close the old credit card accounts
 
If you close an account, the average age of your account is reduced and your credit limit is reduced -- double your credit score.
Make sure you use every card at least once every quarter, or the credit card company will notice that the account is inactive and will probably shut it down without notifying you.
 
6. Long-term burden of debt
 
This reminder doesn't add to your credit score, but it can save you money, so we must mention it.
A month-on-month credit card debt may mean that you actually get rid of your spending points or cash back -- even a gift card.
"When you were little overdraw debt, 'with a credit card debt looks like no big deal, but your card will be rolled out, the greater the debt interest when you realize that what happens when I was late."
 
Tip: pay off your credit card debt in full every month. Buy certificate buy university diplomas buy college diploma buy high school diploma
 
"Credit CARDS are a tool to help build a credit profile," Mr. Hazig said. "it should not be used as an alternative to personal borrowing.

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