{"id":5797,"date":"2024-07-25T12:06:32","date_gmt":"2024-07-25T12:06:32","guid":{"rendered":"https:\/\/www.jbsagolf.com\/blogs\/?p=5797"},"modified":"2025-10-03T11:54:26","modified_gmt":"2025-10-03T11:54:26","slug":"the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors","status":"publish","type":"post","link":"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/","title":{"rendered":"The Impact of Credit Card Use on Your Credit Score: Lesser-Known Factors"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">It\u2019s 2024! Can you imagine your life without a <\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=org.altruist.BajajExperia\"><span style=\"font-weight: 400;\">credit card<\/span><\/a><span style=\"font-weight: 400;\">? Well, I doubt it. This financial instrument has undoubtedly been offering convenience and rewards and is considered a powerful tool to build credit in the long run. Moreover, it is known to help individuals during their tough times by offering leverage of not paying from their pocket immediately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The credit score boost it provides by this leveraging power is known to some but what is not truly known is how it may affect your credit score in various other ways. We all know some of its basic principles, but there are several other not-so-basic factors as well that can play a huge role in your credit score.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Well, in this blog today, we are going to clear the air and make you aware of these important factors that will help you manage your score in the most effective way possible. Follow along the article to know more!\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Credit_Utilization_Ratio\" >Credit Utilization Ratio\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Hard_inquiriesNew_Credit\" >Hard inquiries(New Credit)\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Credit_card_churning\" >Credit card churning\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Length_of_credit_history\" >Length of credit history\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Joint_accounts_and_authorized_users\" >Joint accounts and authorized users\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Best_Credit_Card_App_in_2024\" >Best Credit Card App in 2024\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jbsagolf.com\/blogs\/the-impact-of-credit-card-use-on-your-credit-score-lesser-known-factors\/#Final_conclusion\" >Final conclusion\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Credit_Utilization_Ratio\"><\/span><b>Credit Utilization Ratio\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Credit utilization ratio is another very important factor for your credit score. The utilization ratio is the credit card balance you are using against the credit limit. It is always better to keep your credit utilization below 30%, but to give it more effective leverage, keep it below 10% instead!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Hard_inquiriesNew_Credit\"><\/span><b>Hard inquiries(New Credit)\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Every time you apply for a credit card, the card issuer inquires for your record. A single credit inquiry hardly affects your credit score, but multiple credit inquiries within a short period may sound like a red flag for creditors and they may turn against your credit score in the long run.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Credit_card_churning\"><\/span><b>Credit card churning\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Credit card churning is the practice of frequently opening and closing credit card accounts to reap the rewards of signup bonuses. Opening many new accounts may seem to have a negative effect on your credit score. If a new account is added, then the overall average age of the credit records will go down.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Length_of_credit_history\"><\/span><b>Length of credit history\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The length of your credit history, or how long you\u2019ve held your credit accounts, plays a significant role. This factor basically includes the age of your oldest <\/span><a href=\"https:\/\/darkgray-pelican-245271.hostingersite.com\/blogs\/5-things-to-know-about-opening-nri-demat-account\/\"><span style=\"font-weight: 400;\">account<\/span><\/a><span style=\"font-weight: 400;\">, the average of all your accounts, and lastly, the age of your newest account.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Joint_accounts_and_authorized_users\"><\/span><b>Joint accounts and authorized users\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Authorized users on an existing account is also a type of credit account which comes under your own name when you become an authorized user on someone else\u2019s card. This can prove beneficial to your credit score if the account holder is a good user always but can be quite risky too in the case the account holder isn\u2019t.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Credit_Card_App_in_2024\"><\/span><b>Best Credit Card App in 2024\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are planning to avail of this card this year, then go for the \u2018Bajaj Finserv\u2019 app. The overall interface of the app is quite user-friendly and will guide you with step by step instructions as well. Here is how the process goes:-\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Download the app on your phone\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter your mobile number to Signup\/Login\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tap on Credit Card at the home page only<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proceed further and fill in the details\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">With just four easy steps, you can easily apply for a credit card via this <\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=org.altruist.BajajExperia\"><span style=\"font-weight: 400;\">credit card app<\/span><\/a><span style=\"font-weight: 400;\"> while sitting in your comfort zone. Moreover, once you avail yourself of this facility, this application will be seamless when it comes to managing such finances. For those looking to improve their credit score, <a href=\"https:\/\/www.scoreceo.com\/\">integrating credit repair software<\/a> alongside the app can provide a more comprehensive financial management experience. Apart from credit cards, it also offers loans, recharges, etc. It is highly recommended.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Final_conclusion\"><\/span><b>Final conclusion\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Wisely managing your cards is not just about paying your dues on time. You can better keep track of your credit score and make informed financial decisions if you educate yourself and keep an eye on the above-mentioned factors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, always have a comprehensive approach to optimize your score and enhance your overall financial well-being. Lastly, don\u2019t forget to initiate your <\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=org.altruist.BajajExperia\"><span style=\"font-weight: 400;\">credit card payment<\/span><\/a><span style=\"font-weight: 400;\"> on time!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s 2024! Can you imagine your life without a credit card? Well, I doubt it. This financial instrument has undoubtedly been offering convenience and rewards and is considered a powerful [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":37655,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-5797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Impact of Credit Card Use on Your Credit Score<\/title>\n<meta name=\"description\" content=\"The credit score boost it provides by this leveraging power is known to some but what is not truly known is how it may affect your credit\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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