No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Utilization on installment accounts (the debt to credit ratio you are referring to) is calculated separately from utilization on revolving accounts, and has a much, much smaller effect on your score. The utilization effect of installment accounts is so small it's hardly even worrying about.
scoobjag wrote:
if i pay off an installment loan will my score go down because its closed and will show less on my credit to debt ratio?