I am not sure if you are being sarcastic or asking a genuine question so I will operate under the assumption you are asking a question.

Unfortunatley there really is no way to truly "sum up" good credit. There are many factors that go into different logarithmic [sp] equations that is created by the various credit reporting agencies and independant agencies. Heck I have had to deny people credit because they haven't been at their job long enough or their residence long enough.

Basically I would advise (from experience) not to have more than 25% of your gross annual income available in revolving debt. Of that percentage don't use more than 75%(maybe 80% depending on which score you are getting) of that available credit. If you have cards open and aren't using them and your credit is 700+ don't do anything.

Just to note, I am not some credit wizard or anything. I am simply speaking from 3+ years of banking experience.