Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Key point: JCIC does not publish exact model weights, so this site does not offer a fake calculator claiming to predict your official score.
More cards do not automatically lower the score
JCIC states that the number of credit cards is not itself a scoring factor.
Utilization matters more
Utilization is calculated using current amounts due plus not-yet-due card amounts divided by the credit limit. Higher utilization can reduce the score.
Different installment types are treated differently
Cash-advance installments and bill installments are included in model considerations, while ordinary purchase installments are not directly included.
Closing the oldest card can shorten credit history
Credit-history length is one scoring dimension, so closing the longest-held card can shorten it, although JCIC describes this factor as relatively less influential.
Primary / official sources
Loan, card, and pricing decisions remain subject to each financial institution's underwriting policy; the JCIC score is one reference only.