4 ms·
That only applies to the US.
by sildur 5y ago
That only applies to the US.
- dustinmoris 5y agoNope, that also applies in the UK.
- hackeraccount 5y agoIt's wildly overstated in the US. Having a CC and not paying it off in a timely manner definitely affect your score but the difference between having a card and not having one isn't as big as people make out. If you have proof of income you're going 90% of the distance.