I just got my first credit card a few months ago and it had a huge effect on my score, raising it by about 90 points. Now my score is hovering around 600. I would like to get it up to 650 to increase my chances of renting an apartment. Will getting a second credit card increase my score the same way as the first one?

  • Are you keeping your usage rate down, and paying the whole bill when due?
    – RonJohn
    Commented Jul 4, 2021 at 3:29
  • 1
    Yup less than 10% and all payments on time
    – David
    Commented Jul 4, 2021 at 5:10
  • Your score might go up, since your usage would go down, but if it's already at 10% that might be meaningless.
    – RonJohn
    Commented Jul 4, 2021 at 5:16
  • Do you have have any "strikes" on your credit history?
    – RonJohn
    Commented Jul 4, 2021 at 5:16
  • A related question: money.stackexchange.com/questions/126424/…
    – RonJohn
    Commented Jul 4, 2021 at 5:17

1 Answer 1


Update : I ended up getting the second credit card and my score only went up by 2 points on my trans union and equifax vantage 3.0 score.

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