How your credit card balance can affect your Credit Score

Ever wondered if the reason for your bad credit score is the amount of credit card balance that you use? You might think that your credit card balance doesn’t affect your credit score as long as you pay the bills on time but you are absolutely wrong.

According to CreditRepairXP, your credit card balance greatly impacts your credit score and pays an important role in you achieving a bad or a good score.

We have provided you a detailed review of how this works so go ahead and learn for yourself how a high credit card balance can ruin your chances of getting a credit or loan.

What is a Credit Score?

A credit score is a reflection of your credit history and depends on the information provided on your credit report. Your credit score is mainly made up of credits, loans, credit cards, accounts, bill payments, etc. and if you miss on any of these things, your credit score is bound to drop by a great deal. Each of the above-mentioned factors has a specific weight in calculating your credit score:

  • Payment history is 30% of your score
  • Level of debt is around 30% of your score
  • Length of credit history is 15% of your score
  • Inquiries and mix credit are 10% each

How does high balance affect your score?

A credit card utilization plays an important role in determining if you are going to end up with a good score or not. If your credit utilization is low, it can really boost your credit score as it displays that you are a responsible credit card holder. So the lower your credit card balance, the higher your credit score would be.

A high credit card balance can lower your credit score greatly so make sure you never let that happen. What is the best credit card balance? It is $0 but that is only possible if you never use your credit card which is a difficult possibility. So make sure that your credit card balance is always less than 30%, if your credit card balance is more than this then you would notice your credit score suffering. What is a 30% balance? If you have a credit limit of 3000 then your credit card balance should either be 900 or lower.

It is easy to maintain a 30% balance, just pay your bills on time and don’t purchase a lot of stuff together.

Now, you might think that if you pay off your high credit card balance on time, then it shouldn’t affect your chances of getting a credit right? But that is not how this works. Once you have a high credit balance, it would be documented on your credit report and when the lenders and credit issuers check your report, they won’t know how quickly you paid off the balance. All they would see that at one point of time you had high credit card balance, so it would be better to avoid any such opportunity and keep your credit card balance always lower than 30%.

Disney To Retire All Slave Leia Merchandise In The Future

In $100 says George Lucas has tried to convince Disney they should reboot the original trilogy to make it way shittier, characters, discontinued, Disney, franchise, George Lucas, getting upset about things, golden bikini, Jabba the Hutt, merchandise, movies, no more, princess Leia, selling things, slave Leia, star wars, toys

 

acb21_disney-discontinues-slave-leiaAccording to sources inside Disney, the company (along with Lucasfilm) plans to discontinue the manufacture and sale of any Slave Leia merchandise in the future. Will that make what already exists more collectible? One blogger with a self-storage unit full of Slave Leia merchandise hopes so! There is also a push to rename Slave Leia to Slayer Leia since she uses the very same chains Jabba used to hold her captive to choke that sludgy f***er out until his eyes roll back in his head.

The “Slayer Leia” concept appears to be riding a wave of unease in the Star Wars fan community — unease not with the costume itself, but with the way it has traditionally been portrayed in various forms of merchandise.

“Not only does Leia win, but she slays her oppressor Jabba with the chains that bind her,” Star Wars blogger Tricia Barr wrote this summer on her site Fangirl…”

“Female cosplayers have taken the powerful message embedded in the character and worn the costume with pride…”

The fact that the slave attire serves valid storytelling and characterization purposes within the movie, however, does not somehow automatically give a free pass to all the ways Lucasfilm or its licensees have exploited the costume and its image since then.

I never even thought of that, that really is a powerful message. Of course, if George Lucas had his way he would probably remove Slave Leia from the movie entirely and replace her with a CG space bear or something. I also heard in the Mos Eisley scene between Han and Greedo he wanted to replace Han’s blaster pistol with a baby so there’s no way he could have shot first.

Thanks to everyone who sent this, several of whom are on eBay right now buying all the Slave Leia toys they can find.

<!–
Related Stories

  • That’s More Like It: Fan Remakes Phantom Menace Scene So Jar Jar Dies At The Beginning
  • Learning By Looking: Infographic Of All The Star Wars Media Considered Canon After Disney’s Takeover
  • 5-Year Old Girl Discusses Princess Leia’s Slave Outfit

–>

Article source: http://feedproxy.google.com/~r/geekologie/iShm/~3/ZEFjxa66au0/disney-to-retire-all-slave-leia-merchand.php

Seems Appropriate: First Look Of Michael Fassbender As Upcoming Assassin’s Creed Movie Protagonist

adc7b_assassins-creed-movie

This is the first shot of Michael Fassbender as Callum Lynch, the protagonist of the upcoming Assassin’s Creed movie. The movie is scheduled for release December 21st, 2016 and hopefully, will not suck. It might though. No word if Fassbender’s penis will make an appearance, but my girlfriend just wrote director Justin Kurzel demanding it. I am trying not to be jealous.

Thanks to Aisha K, who agrees they better not find a way to screw this up.

<!–
Related Stories

  • Jared Leto’s Suicide Squad Joker Appearance Revealed
  • ‘Wreck-It Ralph’ Told In 60-Second Life-Action Short
  • Diving Into Hay Bales: Assassin’s Creed Kenway Jacket

–>

Article source: http://feedproxy.google.com/~r/geekologie/iShm/~3/rVh4WFmeSUQ/seems-appropriate-first-look-of-michael.php

Cowabungmeh: Official Ninja Turtle Movie LEGO Sets

Are we having fun yet?, lego, meh, modular, movies, ninja turtles, pass, plastic, playsets, selling things to kids (but not cigarettes or alcohol), teenage mutant ninja turtles, toys, what do you mean heroes in a half shell those are totally full shells what the hell is the matter with you

eb017_ninja-turtle-lego-sets-1

This is a sneak peek at the upcoming Ninja Turtle LEGO sets based on the movie. Personally, I think they all leave something to be desired. Particularly the Ninja Turtle sewer base set. So, just for the record, I will only be buying these sets for the unique minifigs.

Keep going for shots of the other two sets.

aeb31_ninja-turtle-lego-sets-2 aeb31_ninja-turtle-lego-sets-3

 

Thanks to dEad [S]d:G, who’s name I would not be able to pronounce if they were in my kindergarten class.

Article source: http://feedproxy.google.com/~r/geekologie/iShm/~3/fevJGEbEC38/cowabungmeh-official-ninja-turtle-movie.php

500,000-Piece LEGO Car Powered By 256 LEGO Pistons

Lego CarThis is the 500,000+ piece LEGO car that was built by 20-year-old Romanian Raul Oaida. Obviously, it’s not 100% LEGO (chassis, axles, wheels), but it is fueled by compressed air powering 256 LEGO pistons and can allegedly reach speeds up to 20MPH. For reference, that’s faster than you can run. So, if there was a LEGO car that was determined to catch and kill you, it could. “Not if I jumped the curb and ran in the grass.” I love how I just made you develop a contingency plan for a killer LEGO car. I am filling your mind with so much useful information.

Keep going for a worthwhile video of the car doing its thing.

Thanks to Straightline, barth and Master Splinter, who agree we should all make LEGO go-carts then get out there and demolition derby the shit out of each other.

Article source: http://feedproxy.google.com/~r/geekologie/iShm/~3/jXNCQDPxhho/500000-piece-lego-car-powered-by-256-leg.php

Conceived With Evil: Emperor Palpatine Ultrasound

Babies, creepy, DeviantArt, everyone always reminds me of someone else, freaky deeky, hopefully, he doesn’t come out doing that lightning hand trick, looking for someone else, please don’t be evil please don’t be evil please don’t be evil, star wars, uh-oh, ultimate power is overrated, ultrasound, well this isn’t good, when I was ultra sounded the doctor thought i had three legs HIYO!

Palpatine Ultrasound

This is a shot of DeviantARTist Hearte42′s ultrasound, which looks suspiciously like Emperor Palpatine. Will the boy grow up to a megalomaniac, crazed for ultimate power? No, because it’s a girl. I’m kidding, I don’t know what it is but it’s definitely not a turtle. Right? That isn’t a turtle, right?

Thanks to my buddy Terry, who the prophecies have foretold will birth a mighty dragon. Congrats!

Article source: http://feedproxy.google.com/~r/geekologie/iShm/~3/erXJFgSKAHw/conceived-with-evil-emperor-palpatine-ul.php

Kiddy Cosplay: Two Lil Hobbits Captured By Orcs

That’s something you wouldn’t see in the US (except in P.E. because I do remember taking archery in high school).

lord of the rings cosplay kids

This is a shot of two kids who are (perhaps unknowingly) cosplaying as two Hobbits that are about to wind up on the dinner table of the orcs behind them. The shot is from a school in Spain where Carnival is in full effect right now (among other places) and where I should be out in the streets drunkenly shaking my thonged ass instead of stuck in this office building with its depressing fluorescent lighting and a half dozen coworkers who want to see me dead. Terrifying fact: when I was eavesdropping by the water cooler earlier there was talk of dropping a piano on my head when I leave the building. “Jesus.” Right? They don’t even have the decency to not kill me like a cartoon character.

Thanks to ChaosLex, who loves chaos so much he dressed like a realistic looking lion costume and ran through the streets during Carnival pretending to attack people.

I’d Wear It: Winter Jacket With Integrated Goggles In Hood

Jackets with Integrated GogglesBig brother can’t see me now!, cold, different strokes for different folks, expensive, goggles, goggles or goggles, I half want it and half like wearing scarfs (I’m a little frou-frou), I really do kind of like that, I would wear that, jacket, space ranger, staying warm, sure why not, winter

This is the $424 Matt Nylon Hooded Down Jacket. It has a vented hood with integrated goggles (plus a sweet ass pom-pom on top!). Not only will you look cool, but you won’t lose any precious body heat out of your uncovered face and neck. Just don’t burp in there after eating or you might vomit. I suppose you could also use it for a bank robbery but if you already spent $424 on a jacket you should probably save the bank robbing for someone poorer. Don’t be greedy.

Hit the jump for a closeup of the hood and goggles.

Thanks to Keith M, who wraps his head in scarfs and looks out of two toilet paper tubes and kind of looks like a Tusken Raider.

Article source: http://feedproxy.google.com/~r/geekologie/iShm/~3/QJDYB38exKw/id-wear-it-winter-jacket-with-integrated.php

“Growing” Furniture Out Of Plastic And Magnets

29782_magnet-furniture-1

Dutch designer Jólan van der Wiel made these stools with magic by mixing iron filings with molten plastic and creating the legs by “pulling” them up using magnets. When the plastic hardens, BAM — you’ve got yourself a stool. “What the — I’m not milking cows, who the hell sits on a stool anymore?” Who sits on a stool anymore?!?! What the hell do you think I’m blogging from? “The toilet.” Haha, you have no idea how many articles I’ve written from here. “All of them?” Every single one.

Hit the jump for a pictorial of the process.

Gallery: funky furniture ‘grown’ with magnets defy gravity [device]

Thanks to Vicky, who allegedly has a levitating chair but it looks suspiciously like a regular one with a tablecloth draped over it so you can’t see the legs.

Article source: http://www.geekologie.com/2012/01/growing-furniture-out-of-plastic-and-mag.php

Iron Man Cosplay On A Budget. Like A $0 Budget

1b2d7_crappy-iron-man

Halt citizen — you do not want pictures of her. That is a man in a pink wig.

Because conventions are expensive enough to attend, sometimes you don’t have any money left over for a costume. Aaaaaaaaand this is what happens — you wind up wearing your PJ’s and some yellow ribbon. Listen — when packing tape is the most expensive part of your costume it is time to reevaluate your life as a cosplayer. Kidding, this guy probably wound up going home with Catwoman. “The girl wearing a trash bag with two spoons taped to her head?” Yep — they’re gonna have babies together! “You mean kittens?” Iron kitties.

The Best Piece of Crap Iron Man Cosplay Suit Ever Created [obviouswinner]

Thanks to bb and Terry, who’ve both been cosplaying as my friends. Wait — you guys aren’t for real?!