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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?