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Nismodean

WRONG. Having multiple, OPEN lines of credit shows well upon you as long as you can manage them well. The older the credit line the better. Closed lines of credit doesn't do your credit score any good. ACTUAL $ debt counts against you vs the maximum allowed for each line of credit. As long as you maintain them (I would guess) 25% or less in debt, you'll be fine.

Credit Karma is actually a good way to learn how credit works while looking at your own credit!

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The Truth, it hurts sometimes. FI LTH & FI CF CBE. This is a 370Z forum, if I want to fling poo at another brand of car and your feelings get hurt, then you're hanging out in the wrong forum (cry elsewhere).