Our new Indie Games subforum is now open for business in G&T. Go and check it out, you might land a code for a free game. If you're developing an indie game and want to post about it, follow these directions. If you don't, he'll break your legs! Hahaha! Seriously though.
Our rules have been updated and given their own forum. Go and look at them! They are nice, and there may be new ones that you didn't know about! Hooray for rules! Hooray for The System! Hooray for Conforming!
So recently my banker saw my interest rate that I have through the bank credit card that I have, and tried to lower the interest rate on it for me. Thing is, it's my only credit card, and he said that he couldn't get a better rate due to my lack of credit references. And here I thought building credit was just about having and paying off one card regularly.
I have pretty decent credit (though I don't know my exact score), but I'm wondering if down the line, it would benefit me to have more credit references? I have no debt, and always pay my sole credit card off every month, never buy more than I have money for, yada yada yada. Therefore, a lower interest rate isn't all that important to me, as I usually don't carry a balance.
However, if having multiple credit references would benefit me in the future, when I'm looking towards car or house loans, I might consider opening a second card. I order through Amazon every once and a while, and wouldn't mind getting the bonuses associated with their card.
So, in summary, should I have more than one credit card, and does it matter if it's a store card (Amazon), vs some other type of credit card?