我上面忘了说credit utilization这个概念。你的credit score与你的credit limit是有关的:
The problem is something called "credit utilization," which is the ratio of a cardholder's actual debt to his or her potential debt. In other words, if a consumer has a $10,000 credit limit and a $5,000 balance, the credit utilization is 50 percent. Credit utilization accounts for 30 percent of your credit score. The lower it is, the better it is for your credit score. (
http://www.bankrate.com/brm/news/cc/20060331a1.asp)
也就是说,A有1000的limit,每月只刷300, B有2000的limit,每月也只刷300,长此以往,B的credit score比A的高。
不过这完全取决于个人喜好。
如果有的人就不喜欢自己的credit score高,那是另一说。但对于另外的人说,有时候可能在短时间内会需要大笔钱周转,比如贷款买房,比如投资,credit score高就非常有帮助,可以以低利息贷到更多的款。