1。mortgage interest rate 根据你的credit score range 调整,越高越容易得到低利息 2。credit card 少,或者申请多张credit cards, 却不使用,对credit score 是伤害 3。credit card 申请的多,按时付清,会极大提升你的credit score 4。按时付mortgage Interest的credit score 远远超过按时付credit cards