Ok this is all I know, Its not now many credit cards you have but whats your overall credit limit you have that matters Its what type of credit cards you have matters, some dont report to the beaurau so thats bad for you If you dont use credit card for a long period of time they might stop reporting to your beaurau and even decrease your limit and increase your APR Try not having creditcards choked up, ie definitely not around 90% of limit coz thats bad indicator Donot miss minimum payments to any of them, even 1 late payment may result very bad Thats all for now will add more, hope helped