Just got a new $750 HSBC card. Scores are upper 500s. My biggest negatives are a BK and high utils, the high util will be paid down over the next couple months.Main questions are:-Conventional wisdom here says a credit card isn't really "counted" for six months. With less than 6 months reporting, does it have no effect? As far as utilization %, pay history, etc?-I have 5 deferred student loans. Is that good, bad, or indifferent? They're from 2 to 12 months old.