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Old 01-25-2013, 10:49 PM   #17
mordalphus
These pants? are fancy.
 
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Yes, but an empty credit card is not good for credit, a new card is also not good for credit. And if you pay it off in a year, then close it, all the credit associated with it will disappear as well.

I hate credit cards, I only have one, which I'm sure to use and pay off each month. And with just one card, my credit score is 782, which isn't bad. The thing that raised my credit the most was my car payment and house payment. Things that haveinjured my credit the mmost was refinancing my house and not having enough potential debt. (ridiculous)

But at least you're someone responsible with credit, I only said cash before credit because so many people in the USA treat credit like free money
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