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@Anonymous wrote:oh yeah and i did end up getting the card with the 300 limit and the 50 annual fee... im just going to use it for gas each month and pay it off monthly... shouldnt get to be more than 100 a month on the card so ill keep it below 30% most of the month thus building good credit. My only concern is the just the fact that i got the card im concerned my credit will go down once now. Is that true?