
01-12-2010, 12:36 PM
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Junior Member
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Join Date: Jan 2010
Posts: 14
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I agree with you neetu. If one is responsible credit card is very useful.
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01-12-2010, 04:25 PM
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Junior Member
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Join Date: Jan 2010
Posts: 3
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just in case one of your cards has been blocked, you have extra
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01-12-2010, 04:25 PM
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Junior Member
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Join Date: Jan 2010
Posts: 3
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more cards actually mean more credit
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02-18-2010, 01:26 AM
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Junior Member
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Join Date: Feb 2010
Location: US
Posts: 16
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Another benefit is having more available credit. Its not good to max out credit cards to their limit, as this can effect your credit score. its better to only use a small portion of your credit limit per card. So having say 2 cards you would be able to use more credit without maxing your credit limit. You need to be responsible or you can get yourself into trouble.
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05-08-2010, 10:24 PM
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Member
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Join Date: May 2010
Posts: 34
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It's a good idea to have several cards so that your balances are more evened out instead of having one really high balance. Also, the different cards, if they are with different creditors, all report to the credit bureaus at different times. The bureaus recognize that you have more than one account and tag you as a person responsible enough to make multiple payments monthly.
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07-24-2014, 07:51 AM
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Junior Member
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Join Date: Jul 2014
Posts: 20
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It's very important to use credit responsibly. Never make a late payment, and limit your credit card spending to no more than 30% of your available credit. Also, always pay in full every month. That's not essential to a good credit score, but it will keep you from racking up a large balance -- which can be detrimental to your credit scores -- and paying interest on the debt. Charge only what you can afford to pay each month.
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08-07-2014, 07:17 AM
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Junior Member
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Join Date: Aug 2014
Posts: 12
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Having more than one credit can improve your credit score if you pay on time your bill, and if you know how to manage it.
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check this store you can buy things with a very cheap price
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08-14-2014, 12:50 AM
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Join Date: Aug 2014
Posts: 12
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Having more than one credit card can actually help your credit score by making it easier to keep your debt utilization ratio low. If you have one credit card with a $2,000 credit limit and you charge an average of $1,800 a month to your card, your debt utilization ratio, or the amount of your available credit that you use, is 90%.
Where credit scores are concerned, a high debt utilization ratio will hurt you. It may not seem fair - if you just have one card and you pay it off in full and on time every month, why should you be penalized for using most of your credit limit? - but that's how the system works. To improve your credit score, you should avoid using more than 10-30% of your available credit per card at any given time, according to credit score expert Liz Pulliam Weston
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check this store you can buy things with a very cheap price
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02-12-2015, 12:39 PM
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Join Date: Feb 2015
Location: Colombia
Posts: 25
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03-27-2015, 08:35 AM
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Join Date: Mar 2015
Posts: 76
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