my only other debts are student loans ($140,000) and those are going to be around for a very long time. i know i have to put the money up for a secured card, since i already have one. i'm not worried about utilization, because regardless of the credit limit, i would keep the utilization around 1-9%. i don't need a credit card to live. but, i do need it to help to rebuild my credit. i need to add positive tradelines, because besides my one cc, and my student loans, i don't have any. the rest are ca, which i'm working on, and have posted all of that info in other posts. i'm just wondering if fico scoring wise, if the cl makes any difference, if regardless of the cl, if you keep your utilization low.