리볼빙 신용등급hello.
The advantage of revolving is that even if you do not pay your credit card payment in a given month, you will not be caught as ‘delinquent’.
Therefore, you can prevent the unfortunate event of your credit score falling due to not being able to pay your credit card bills.
However, if you continue to put out urgent fires with this service, you will have to repay the card bill, revolving service fee,
Interest on overdue credit card payments is gradually accumulating and increasing significantly.
Moreover, even if revolving is used, there is a minimum payment amount.
If you do not pay properly, it will be classified as delinquent and additional interest rates will be charged.
When delinquency begins, your credit score naturally goes down.
And it is very likely that revolving interest rates will rise in the process.
Therefore, because the principal and interest increases very quickly, it is very likely that your credit rating will be lowered, even if not immediately.
thank you
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hello. Ryu Gyeong-tae is an economics and finance expert.
Since I work at a bank, I will explain this part accurately and give you some tips.
The card revolving service is a short-term loan from a credit card company, a second-tier financial institution. As soon as you receive the revolving service, you are judged to be receiving a high-interest loan such as a card loan or cash advance, and your credit score will drop significantly compared to other loans.
Even if you are not behind on your card payments, credit rating agencies continue to lower your credit score by evaluating those who frequently use the card revolving service as ‘people who lack funds in the short term and cannot afford to borrow funds from a first-tier financial institution.’ .
Therefore, it is recommended that you never use the card revolving service and instead go to the bank and open a negative account. Even if you do not transfer funds at the time of payment, you can refill them later when they are automatically transferred from your Minus account. In the case of a negative account, if you open it and use it within 30% of the limit, your credit score will increase, so you can kill two birds with one stone.
I hope the answer was helpful. Have a nice day^^
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hello. Yunsik Kim is an economics and finance expert.
Credit score is a score that evaluates your ability to repay debt. Therefore, postponing the repayment of revolving can be perceived as insufficient ability to repay the debt, and in reality, it has a very negative impact on the score. Therefore, to manage your credit score, it is recommended that you do not use the revolving service.
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hello. Jeon Jung-jin is an economics and finance expert.
If you use card revolving, your credit score will
It’s pretty bad.
For the sake of your credit score, it is best not to use it if possible.
great.
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hello. Jeonghoon Lee is an economics and finance expert.
Simply using revolving will not lower your credit rating. If delinquency occurs during that period of use, your rating will be lowered. This month, you don’t have enough money, so you can carry over the payment amount, but if you think you can pay it off next month, feel free to use it.
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