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Fico doesn't care what your interest rate is, unlike the rest of us who do care about ours
narendra953 wrote:does 0% interest credit accounts affect fico score if i don't pay them in full but instead pay them partial until the 0% interest term is over?
Noah_Bodie wrote:
Person A has 0% APR and charges $200 a month in new charges.Person B has 39% APR, charges nothing, and incurs $200 a month in new finance charges.If both have the same CL, same debt, and both pay ontime $250 a month on the card, then both are chipping away at their principle at the rate of $50 a month.FICO scoring would be the same, for this account.
But if they have the same balance and most of my 0% have been for BTs. And neither is charging Person A pays off 250.00 a month of their balance while person B only gets 50.00 credit on the actual balance.
Brammy wrote:But if they have the same balance and most of my 0% have been for BTs. And neither is charging Person A pays off 250.00 a month of their balance while person B only gets 50.00 credit on the actual balance.
Noah_Bodie wrote:
Brammy wrote:But if they have the same balance and most of my 0% have been for BTs. And neither is charging Person A pays off 250.00 a month of their balance while person B only gets 50.00 credit on the actual balance.
You cannot change the rules of my inane scenarios inflight.
Why Not Noah? I want to share the catnip!!!