Another note on that, if you normally spend more than about 10% of your credit limit across your cards each month, get another card or get one of them to raise

Another note on that, if you normally spend more than about 10% of your credit limit across your cards each month, get another card or get one of them to raise your limit. Debt utilization ratio higher than that can also drop your score. Sign up for CreditKarma and keep an eye on it to get the best rates and rewards. Edit: another alternative is to manually pay your bill every other week to keep the utilization ratio down.