Credit card offers.?

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I've been getting quite a few credit card offers in the mail. I have gotten 2 MC in the last month. I also have a gas card, and two other MC/Visa. My question is? By opening these accounts, and not using them, am I improving my credit? BTW they are $0 annual fee. I currently rent, but plan on buying next year. Have no auto loans (2 loans paid off in the last 3 years 1 recently), however I do have a balance on the two existing CC. I currently have fair/OK credit. Thanks

Credit card offers.?

Having more credit then you could pay back doesn't really help you. What helps the most is having a long standing account and having everything paid on time! Also keep in mind your dept to income ratio.

Check out this article... it can give you some heads up on credit scores

http://finance.yahoo.com/banking-budgeti...

I'd just use what ya got and then "opt out" of credit offers so you don't even get anymore offers to even consider. It's more about how you handle your credit then how much credit you can get! Good luck!

Credit card offers.?

A lot of things can affect your credit. Too many cards is one of them, especially if they have high limits. This gives the impression that you could potentially have high debt. One way you can improve your credit is to use the cards a small amount of the time, and pay it back quickly, this shows responsibility. Accepting a lot of offers hurts your credit also.

Credit card offers.?

If you have no need for the cards, shred the them. If you do apply, it will help to lower your credit score in the short term. If you apply and don't use them, then it will help to increase your score.

Leave temptation by the door and dump the things.

Credit card offers.?

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