angiepharm wrote:i'm trying to rebuild my credit. i already have a hsbc secured card with a $500 limit. I only have 1 positive tl, other than my student loans which are not yet back in repayment. i'm trying to have 3 positive tl. i would like to get secured cards with boa and citi. these are all mainly to build a positive tl history, and i don't really plan to use them, and to keep the util around 1-9% as advised here. my question is, given this scenario, credit scoring wise, would it matter rather i had a $500 or $5000 credit line, if i'll only be using it sparingly to keep it active, and build a positive history?
IMO, the difference is that it is easier to keep uti under control with the higher CL.