信用值

Based on my experiences

我认为信用值和多付利息是没有什么关系。
right
信用值和
1。能否在DUE DATE前付账有关，Any delay min payment hurt credit
2.和资产有关（成正比），In personal credit, it is not ture. The credit conmpany usually do not collect your asset info.
3.和负债成反比。..... Partially ture. It is to the debt and your total credit line.
4. Time to use credit.

The credit score is the pre-evaluation of how much possiblity you will pay your future debt. To improve your credit, You need to borrow more and repay more.

The fare credit (not good/best), you should have 4 current accounts with 4 years history. No 30 day delay in last 12 month and no 60 day delay in 36 months

信用卡公司当然希望你又付利息又还本金。而对你来说，利息付得多，实际上是你的一种财务负担。评信用RATE时，我认为利息开支对信用值不应该有帮助，相反，当你的资不抵债时，应该是负面的。