ekb117 wrote:Thanks everyone! I have a gameplan for the Orchard of using it as a gas card only since gas is already built into my monthly budget. That way I can use and pay without spending more money. The Target - I'm not crazy about the APR so that may be used once or twice and then relagated to the back of the wallet.I agree, the utilization is my biggest pain. I have a Cap1 card that was closed after I defaulted on it. I basically stuck my head in the sand for a while while the late fees and over limit charges brought it from $300 to well over $900. Grrr.... stupid me! So now I have $580 left on that to pay off and then I have a BoA that reports as an account in good standing, but was closed due to high utility on my other accounts. I didn't even know they could do that, and my balance on that card was pretty high. So... about $1800 left to go on that one. I can get Cap1 paid by October and hit whatever is unpaid on the BoA washed with my Christmas bonus - the my Christmas present will be shiny new FICO scores for the new year! LOLOn question though... I was planning to leave things as they are - 1 Orchard, 1 Target. Someone mentioned today that if inquiries hurt your score and fall off at the same time, I should apply for more cards now and that way all inquiries will fall off together. I say I don't NEED credit until next February when I move, so I should avoid the temptation of applying for it until my scores are better.Does anyone have any advice which route is better in the grand scheme of all things FICO?