Currently, my credit is quite low due to a closed credi card account (paid off in fll, though late), and two utility companies that I just found out had never been paid and have since closed the account (profit and loss writeoff) because my roomates in college never paid a few months of bills in my name after I left. I am still in school and I generally rack up pretty hefty CC debt during the school year and then pay it off gradually over the summer while I am working. Currently, I am at at about 90-95% of my CC max. This will be dropped down to 75% in a week, and so on over the summer. Would it benefit me to get another card that I rarely use in order to increase my total available credit? I have had my current card for about 6 months and have already received an increase and cannot receive one at this time. Thanks for your help.