Question

Debbie is curious about her credit score. Which scenario will least negatively impact a credit score?

Answer 1

applying for many different credit cards
keeping a high balance on her credit cards
consistently making late payments
having a short credit history

Answer 2

I think what Debbie needs to do is to increase her exposure by keeping a high balance on her credit cards and any other credit facilities that she currently has and then making prompt payments. A friend of mine used the same strategy to go from Silver cards all the way to Master Black.