Aniya ng mga kaskasero at kaskasera, ‘pag may high credit utilization rate ka, the more chances of winning, este mabibigyan ka raw ng mas mataas na credit limit. Pero, how true?
Dapat ba talaga maxed out lagi ang credit card para tumaas ang credit limit mo? Spoiler alert: hindi! Actually, doing this can hurt your credit score at mas lalo pang magbibigay sa’yo ng sakit sa ulo.
Ang bawat bangko ay may kanya-kanyang style o criteria sa pag-grant ng higher credit limit. But when you consistently show your codependent tendencies with your credit cards, then that’s totally sus. Let’s break down why:
Negative impact sa credit score. Ang paggamit ng malaking porsyento ng credit limit mo (lalo na kung 100%) ay tinatawag na high credit utilization rate. In short, pinapakita mo sa mga lenders at banks na hindi ka financially responsible. The ideal rate is usually 15-30% lang dapat para ‘di ka ma-flag.
Red flag ka as a credit card holder. Kapag maxed out ka lagi, dependent ka sa utang. ‘Pag napansin ‘to ng credit card company mo, malaki ang chance na magiging hesitant sila sa mga future debt applications mo or even simple requests such as a credit limit increase.
Mas malaki ang interests at fees. Habang malaki ang utang, mas malaki rin ang babayaran mong interest. Hindi ito magandang financial habit — ang goal mo dapat ay maging smart credit card holder, hindi big spender.
Maxing out your credit card is fine… as long as you pay for it in full every month (sanaol)! Here’s how you can increase your credit card limit, the right way:
Show consistency in payments. Laging magbayad on time at buo kung kaya. ‘Pag nakikita ng bangko na consistent kang nagbabayad, you may be rewarded with a higher credit limit kasi responsible spender ka.
Request directly from your bank. Hindi mo kailangan maghintay! Kung sa tingin mo ay good payer ka and you’ve been using your credit card for at least a year, you can call your bank to request an increase. Usually, may forms ka lang na kailangang i-accomplish to get approved.
Use only what you need. Hindi kailangang ubusin ang credit limit. Remember, financial discipline will never betray you. ‘Pag may disiplina ka, syempre you can expect to be rewarded in the future.
Hindi dahil ginagawa ng karamihan ay tama na. Lalo na pagdating sa credit cards at loans, mas papaboran ka ng mga bangko kapag maingat at responsible spender ka. So, the next time na marinig mo ang advice na ‘to, alam mo na ang sagot — ‘di totoo ang chismis!
Komentar