取消信用卡？

[oureal]

手头的信用卡稍微多一些，好几个都不太用，想取消几个，但听人讲取消信用卡的话会影响个人信用等级，不知是真的还是假的？

 

[风 雨]

I only heard that applying for too many credit cards may affect personal credit rating, never hearing cancelling them would have such effect.

 

[lulu39]

如果是不收年费的信用卡，用不着专门去取消。如果暂时不想用，就别随身带着。如果永远不想用，自己把它剪成两半扔掉，或是把它藏在家中。

影响信用等级的因素不在于你是否取消信用卡，而是看你是否有拖欠卡数的记录，是否有拖欠偿还贷款的记录，是否有欠交税的记录 ……。

 

[oureal]

谢谢两位的指点。

 

[LaoNi]

是有影响，但是好的影响

 

[ccc]

如果是不收年费的信用卡，用不着专门去取消。如果暂时不想用，就别随身带着。如果永远不想用，自己把它剪成两半扔掉，或是把它藏在家中。

。。。 ……。

如果不需要那么多，最好取消。否则，被人盗号，仍麻烦。

 

[小鱼儿]

留积分点数多，cash back快的卡;Visa, MC, Amex各一张就够了。卡太多并不好，万一忘了付账单，那才影响你的信用。

 

[oureal]

留积分点数多，cash back快的卡;Visa, MC, Amex各一张就够了。卡太多并不好，万一忘了付账单，那才影响你的信用。

是啊，以前都是银行挂电话问要不要卡，结果是各种各样的到现在有8-9个（利率从5%--19.8%)，没准就哪次就忘记付帐单了，挺麻烦的。下决心取消几个算了。

 

[dkwan]

cancelling your credit is not a good idea since it will lower your credit score.
The reason is you cannot manage your finance well. Since you must thought well before applying your credit card, its not like you apply and feel "too much" cards and cancel.
If if the amount of credit leaves you in a bad situation, you can choose to cancel any new cards. Since the part of the calculation of credit is how long you have a good history.

 

[oureal]

cancelling your credit is not a good idea since it will lower your credit score.

看这位朋友的建议，似乎是真有影响。

 

[ccc]

I'd say the opposite. It could prove that you are good at managing your own financial matters.

Ask yourself if you really need more than 4 creadit cards. (They should be of different types.)

 

[colonel]

看这位朋友的建议，似乎是真有影响。

only for a few months.

 

[oureal]

取消信用卡还真是不容易，刚才挂电话给CIBC，人家几句话就给我拿下了！

我：我想把我的VISA ACCOUNT CLOSE 掉
CIBC:能不能告诉我们原因？
我：因为我不太用，每年还得交年费，再说利息也太高
CIBC：那你看这样，我们给你$50的CREDIT,你再留一年，好不好？
我：我是真不想用，真想CLOSE掉
CIBC： 你看这又不"HURT” 你，给你的账户上 $50的CREDIT,你再留一年？
我： 那.....好吧..

 

[LaoNi]

哈哈。。那人家給錢你用，你沒有不要的嗎。。 有趣有趣.. 快把那$50的CREDIT用掉，2個月後，再打去取消它。You are so lucky...

 

[dkwan]

I'd say the opposite. It could prove that you are good at managing your own financial matters.

Ask yourself if you really need more than 4 creadit cards. (They should be of different types.)

If you don't need, why apply in the first place. If you applied it, then manage it well.