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  #11  
Old 01-12-2010, 12:36 PM
stevensonjames88 stevensonjames88 is offline
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I agree with you neetu. If one is responsible credit card is very useful.
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Old 01-12-2010, 04:25 PM
loverboy22jd loverboy22jd is offline
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just in case one of your cards has been blocked, you have extra
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  #13  
Old 01-12-2010, 04:25 PM
loverboy22jd loverboy22jd is offline
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more cards actually mean more credit
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Old 02-18-2010, 01:26 AM
Manny Manny is offline
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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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Old 05-08-2010, 10:24 PM
c0stanton c0stanton is offline
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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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Old 07-24-2014, 07:51 AM
DibbaDemelab DibbaDemelab is offline
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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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Old 08-07-2014, 07:17 AM
brianwebber607 brianwebber607 is offline
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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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Old 08-14-2014, 12:50 AM
RussellBellingeruyk RussellBellingeruyk is offline
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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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Old 02-12-2015, 12:39 PM
bjaesspitt6590 bjaesspitt6590 is offline
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Old 03-27-2015, 08:35 AM
tracy_d tracy_d is offline
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