RE: Credit Repair Journey Update 39 Point Increase!

In Finland, I don't think your credit score has anything to do with having lines of credit open. It's about assets, regularity of income and not missing payments, as far as I know.

The interest I pay on my credit card debt is currently about 7%, that is, if I don't pay it off completely at the end of each month, which I nearly always do. There is no annual fee on my main card because it came with a package deal with my bank. My other card has a €60 annual fee and the interest rate is the same as with the main card. I don't use it but it keep it just in case.

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