Agreed --it seems there's hardly any penalty on scores for cards #2 and #3. After that, take it easy.
Banks are so squirrelly these days that it's hard to come up with a stable bank that won't mind your short history. Since you're still in school, you might check out the student versions of Discover or Chase. Does your college/ university have a credit union?
Another option is to get a store card, depending on what's in your area. Best Buy
store card (not their MC) is a good option, and Macy's is endlessly popular around here. With Macy's, you do better to apply in the store, as they tend to hold people to a very low initial CL with online apps, for security reasons.
As for evening out your scores, trying setting your automatic payment date to about 3 days before your statement is due to drop. That way a lower figure will report, which helps your scores.
Are you a sophomore or a junior? Four year plan or five? (Or six, or seven...) The credit plan for my two younger kids (wasn't tuned into this with my oldest) was to graduate from college with a four-year longest history, a 2-year AAoA (average age of accounts), and scores around 740. It's very doable; you already have the scores.
This really helps for student loans for grad school, renting an apartment and buying furniture, getting a car loan, etc. HTH
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
!