最和气：保持良好信用分 更好的杠杆

Keep reducing your overall debt

You’re using over a quarter of the total credit available to you across all your accounts.

Lenders pay attention to the amount of credit you use – keeping your usage low whilst demonstrating a willingness and ability to repay will improve your credit score.

We know this is easier said than done, but try and pay off some of your debts to reduce the amount of credit you are using.

If you’re paying a lot in interest, check whether paying the transfer fee to replace it with a balance transfer card that has a 0% or low rate will cut the amount you pay in interest.

以上翻译过来就是，你信用卡的额度的25%是你的极限。如果超过25%，最好把超过的部分用另外一个信用卡替代掉。

对个人信用影响比较打的其他因素

1 You’re registered to vote

2 You’re paying your accounts on time

3 You’re using a healthy amount of your credit limit，四分之一以内的banlance 就是最好的，二分之一以内的是health的。

4 You’ve got a long-standing account，我santander 的银行大概用了11年了。

5 You’ve been at your address for a long time

6.You don’t have any judgments or insolvencies

7.You don’t have any defaults，