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class="news_art_txt"> <div class="txt_til clearfix"> <h3>提醒！在美国有这三种情况就别再申请信用卡了!</h3> <span class="time fl">更新时间：2016-08-25</span><div class="label fl">标签：</div><span class="liul fr">浏览：<script src="http://sz.zlglobal.net/plus/count.php?view=yes&aid=5257&mid=13" type='text/javascript' language='javascript'></script></span> </div> <p> 文章来源：世界日报</p> <p> </p> <center> <img alt="" src="https://mmbiz.qlogo.cn/mmbiz_jpg/sicD2WXvbfWC0bS3JSKerczRrKraNicaRdA2xj73wMk0DgiboO0spakvTjicxfaMVXjOicLvoc2qmicnxOFiaNDSnv0yQ/640?wx_fmt=jpeg" style="width: 500px; height: 364px;" /></center> <p> 若信用分数很勉强，最好先设法提高，否则申请到信用卡也可能多付利息和逾期罚款。</p> <p> 申请新的信用卡有时很诱人，特别是发卡公司宣传优厚奖励和提供可观的申请奖金。不过虽然负责任的使用，信用卡是很好的花钱工具，但是在以下情况中，申请新信用卡对你并不利：</p> <p> 你错过一、两次付款：虽然看来没什么大不了的，但是即使只是错过一次付款，也会严重伤害你的信用分数。如果你有时付卡债很辛苦，再拿一张新卡并非明智之举。你应先专心建立优良的付款纪录，后者在多数信用评分模式中，是最重要的因素。</p> <p> 你的旧卡刷爆：若你达到刷卡最高额度，或是只能支付最低金额，那可能会有问题。信用使用率，也就是你的欠款和信用额度的比率，是信用评分模式中第二重要的因素。若你刷卡达最高额度，下一张卡可能就会让你还不了钱。最好把信用使用率，保持在低于信用额度的30% 。</p> <p> 但有个例外情况，那就是若你有很多高利率卡债，可考虑余额转移的信用卡，让你利用促销期的低年利率，把欠款转到新卡。若采用这个方法，记得在促销期结束前付清欠款，否则你可能要付追溯利率。</p> <p> 你的信用分数不高：若你的信用分数差，无法申请到多数信用卡。中等的信用分数，无法获得最好条件的信用卡。所以若你的信用分数很勉强，最好先设法提高，否则即使申请到信用卡，你也可能多付利息和逾期罚款，特别是如果你并非每次都付清欠款。</p> </div> <div class="news_art_gn"> <div class="art_1 clearfix"> <span>原文链接：http://sz.zlglobal.net/news/usa/2016085257.html</span><a href="javascript:void(0);" class="dzq" onclick="javascript:postDigg('good',5257)" id="newdigg"><span class="digg_num">(0)</span></a> <script language="javascript" type="text/javascript">getDigg(5257);</script> <div class="clear"></div> <p>版权声明：本文由兆龙移民独家精选，未经授权，禁止一切同行与媒体转载。欢迎个人转发分享至朋友圈。</p> </div> <a href="http://sz.zlglobal.net/usa/news/20190611227.html"><img src="/images/v2/guanggao.jpg"/></a> </div> <!--相关文章--> <div class="news_art_xg"> <div class="rmgjc_til"><em></em><span>相关移民文章</span></div> <ul> <li class="clearfix"> <a href="http://sz.zlglobal.net/news/usa/20190611278.html" target="_blank" title="移民美国定居适合儿童居住的10个城镇分别是哪些？"> <div 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