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The Credit Line Q&A: Do Small Credit Card Purchases Affect Your Credit Score?

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On The Credit Line, a radio show hosted by Credit.com’s chairman and co-founder Adam Levin, Gloria from Woodland Hills, Calif., asked if only making inexpensive purchases on her credit card would negatively affect her credit score.

The price of the items or services you charge to your card does not affect your credit score. The factors looked at when your score is being calculated are the amount of available credit you have, your payment history, your attempts to acquire new credit and whether you have different types of credit (credit cards, mortgage, student loans, auto loans, etc.), and length of credit history. The credit scoring process can be mysterious or even seem unfair, but rest assured, the frequency and cost of the purchases you put on your card won’t have a negative affect your credit score.  However, your best bet is to keep a low balance on your cards and, ideally, pay the balance off every month if you can.

If you have questions, tune in live to The Credit Line on Los Angeles’ KFWB 980 AM every at 9 a.m. PST/Noon EST and call in at 888-539-2980, or email the show any time at credit980@gmail.com. Listen to the past week’s Credit Line for more debt and credit advice.

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  • http://ultimatesmartmoney.blogspot.com/ UltimateSmartMoney

    It is very complicated to understand… I’m convinced by now that I will never be able to completely understand how credit cards are related to scoring credit scores.

  • Credit Score Calculator

    If you really buy a small amount item it won’t definitely affect your credit score.

  • Lucas Johnson

    The article tells only part of the truth. Where you shop affects your score. Use your card at bars, massage parlors, and pawn shops and the score goes down. Use it for airline tickets and rental cars and the score goes up.

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