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Gunner | Does what i purchase with my credit card affect my credit history, even if i pay my bills on time? |
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 |
 
glassesguru
 |
If you do not pay off your bill in it's entirety every month, you start to accrue debt. When an credit agency scores you, they factor this into your total. In applying for a loan, an underwriter will calculate credit card debt into debt to income ratio, so it does, indeed, become a factor in many credit ventures. |
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wcowell2000
|
As long you keep the total amount you owe under 50% of what you have available you shouldn't see a dramatic drop in your score. It is when you max out unsecured debt that the score will plumet. |
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heybulldog
 |
Why do so many people obsess with the I love debt score?
You have to borrow lots of money and make lots of payments on time to get a high score. You have to keep borrowing lots of money and keep making lots of payments on time to keep a high socre.
If you live on less than you make you will have money.
No payments = cash in the bank.
A low I love debt score from not paying you bills is trouble. If you have a 0 score from not borrowing money you can still get an apartment and a job and home loan. Same low interest rates thru manual underwriting. It's not a subprime loan.
Of course all the rich bankers on here will tell you different.
but,
Debt free is the way to be!
Borrower is definitely slave to the lender! |
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Goddess
 |
No. The credit bureaus do not have access to your purchases history....only the credit limits, balances, and pay history.
Also, they will "score" you based on your debt ratio -- using your credit cards to the max will hurt your credit score. I believe to have a good score, you need to keep the balances down to half of what your available balance is or lower. |
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src50
 |
Not the items you purchase - just the amounts (actual to available debt ratio) and payment history. |
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Rick B
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Yes. Paying your bills on time will positively affect your credit. Paying them late will negatively affect it.
Of course, using too much of your available credit will hurt your score. |
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Nicholas F
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Yes, also if you make large purchases and pay them on time, or pay them off in full will increase your credit limit. Interesting note, they can still jack your interest rates up even if you always pay on time! How? If you are late say paying your water bill, they can and have used this as justification to classify people as a potential bad credit risk, and increase the interest rates! I would Google complaints against the brand of credit card you use to see if this is one of their practices. |
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googie
|
The items which you purchase and charge through your credit card have no effect on yourcredit history. The manner in which the charges are paid does affect the history and is conducive to increasing the limits of credit on that card.One starts with a line of credit of $3000.. He comes close to spending that every month and pays the full balance upon receipt of the bill. He would probably receive notice from the credit card company after a certain trend has been established that he can now charge up to $5,000. etc. |
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kim h
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It does not matter what you buy. Pay them on time and you will be fine. |
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