Citat:
Prvobitno poslao korisnik Jorda
Mali update oko kredintih kartica: vec sam napisao da sam aplicirao online i samo zbog toga dobio partly secured ($100 depozit $500 limit) karticu na godinu dana.
Evo posle 8 meseci vracen mi je depozit i limit podignut na 2.5k, nisam trazio nista niti pitao.
Karticu sam punio i po 80%, ali obavezno pre closing date placao sve ili ostavljao simbolicnih 20ak do 30 dolara. Tako da definitivno nije bitan nivo zaduzenja pre closing date. Pozdrav.
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Dobro je da si otplacivao prije closing date ali za dobar credit score utilization je jako vazna, evo copy paste sa Experian:
In a FICO® Score or score by VantageScore, it is commonly recommended to keep your total credit utilization rate below 30%. For example, if your total credit limit is $10,000, your total revolving balance shouldn't exceed $3,000. Generally, a low credit utilization ratio is considered an indicator that you're doing a good job of managing your credit responsibilities because you're far from overspending. A higher rate, however, could be a flag to potential lenders or creditors that you're having trouble managing your finances.
Ja uvijek preporucam drzati je ispod 30%, osobno nikada ne prelazim 10%