Just take care of your credit.it will work it self out. I only had 2 credit card after BK capital one and chase wamu now its freedom. I garden till 2011. I also got an auto loan by Toyota 2.9 APR
on 2007. I just started applying for credit card in 2011 for their airline bonus I was approved by Citi AA card 8k limit and discover more 7.5K limit. I recently applied for chase united explorer I was denied because of BK called recon line and after begging lol... I was approved in the second recon 2.5K limit. I want to apply for Amex HH but I'm scared I might try it next year. I just can't wait till 11/2014 BK will finally be out of my credit report I hope I can get +50 points in my score.