Discover card

[Anonymous]

but keep in mind too that you want more credit on cards you use vs don't use. don't load up credit on cards you won't use because it limits you on the cards you want later (potentially)

[Anonymous]

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@Anonymous wrote:
not if you're reporting 3% utilization. i report under 1% so if i had $10k in credit or my current $80k it makes no difference. your score won't be effected much. just the report.

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Well darn.  3% was my highest usage on all cards combined.  I don't know how low they go but I only owe 30.00 on all the cards combined now.  I guess it won't help.  But hey, thank you for your information, I appreciate it.

[Anonymous]

no problem. it's good to have open credit but keep in mind let's say you want that awesome new card and you're almost maxed on your profile due to cards you don't use... that sucks lol. that's why you see people closing cards to free up credit for the ones they want

[Anonymous]

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@Anonymous wrote:
no problem. it's good to have open credit but keep in mind let's say you want that awesome new card and you're almost maxed on your profile due to cards you don't use... that sucks lol. that's why you see people closing cards to free up credit for the ones they want

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I see people use the term profile quite often. I'm not sure what is meant by that.  Would you be kind enough to explain? I am very new to credit usage, discover started me at 2300 so I only have about 16,000 in credit.

[Anonymous]

meaning your credit profile or report. we refer to reports as your profile.

[kxkxkxx]

I was approved for 6K right out of the gate....my score is about 680