Here's how having multiple credit cards affects your credit score.
When you have more than one card, it may be harder to manage multiple due dates. But there's a simple workaround: Change your due dates.
Many card issuers allow you to change the day your payment is due online or in-app, so you can choose a day that works best for you. This may mean you set your due dates all to the same day so you don't have to keep track of multiple dates, or you can choose to space them out throughout the month based on when you get paid.
In addition to changing your due date, you can set up autopay for at least the minimum due to ensure payments are made on time.The percentage of the total credit you're using, also known as amounts owed orFor every new card you open, you'll receive a new credit limit which increases your available credit. This can be a great way to improve your credit utilization rate and credit score, but only if you maintain the same or similar amount of spending as before you opened a new card.
If you use the additional line of credit to overspend, you risk raising your utilization and therefore hurting your credit score. The best approach with opening multiple credit cards is to maintain a consistent amount of spending that's 10% of your total credit limit or lower.Credit scores factor in the average length of time you've had credit — not the age of your oldest account. Therefore, every new credit card you open decreases the average length of your credit history.
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