Credit Reports Without Credit Cards
2010
Do credit cards without balances affect your credit report?
Is it true that your credit is affected not only by the credit cards with balances but also those without balances??
This is an evaluation after reading all the answers you were given.
First off *** do not close any of your credit card accounts. You need that history.***
All opened credit cards affect your credit score ! I agree with some answers that having a zero balance shows inactivity. So using them and paying them all off at the end of the month will not necessarily help your credit score.
What I suggest is putting a very very small balance on that card and make the minimum payments. Don’t even use 30% of the card. This will help you continue to earn a good credit score. Having a well round of credit card accounts with low balance that are paid on time will help you improve your credit score the most.
Your score will not be affected negatively by too much credit limit. The only way your score will decrease by too much credit limit is if you have A LOT of cards. (Like in the 20’s) The scoring system does not score you on your take home pay vs your credit limit. This is something a creditor might judge you own. (Remember when you applying for an account each creditor has their own criteria they are looking for.)
You will need a couple of MAJOR credit cards, and a few small revolving accounts. Please limit the department store accounts.
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