信用值

Based on my experiences

我認為信用值和多付利息是沒有什麽關係。
right
信用值和
1。能否在DUE DATE前付賬有關，Any delay min payment hurt credit
2.和資產有關（成正比），In personal credit, it is not ture. The credit conmpany usually do not collect your asset info.
3.和負債成反比。..... Partially ture. It is to the debt and your total credit line.
4. Time to use credit.

The credit score is the pre-evaluation of how much possiblity you will pay your future debt. To improve your credit, You need to borrow more and repay more.

The fare credit (not good/best), you should have 4 current accounts with 4 years history. No 30 day delay in last 12 month and no 60 day delay in 36 months

信用卡公司當然希望你又付利息又還本金。而對你來說，利息付得多，實際上是你的一種財務負擔。評信用RATE時，我認為利息開支對信用值不應該有幫助，相反，當你的資不抵債時，應該是負麵的。