Originally Posted by randomtask77
You don't want to have a lot of cards. Maybe 2 or 3 at the most. Having a CC for a long time maybe a good thing as they could get a good credit history and how you handle it. But if you have an account for a really long time but don't use it, that could affect your score as well (they can't gauge your credit history because it's non-existant with that account).
No it won't...............if you have a card and never use it it just shows up how long you have had it and it will show that it has been paid up to date. Where the heck do you people get this info?
Non existant credit is when you have no open trades in the past 12 months. Say like you pay off your student loan this year, next year it is not considered an open trade, however will still show up and help but some credit companies knock you........I believe its experian? if you don't have at least 3 or so open trades.