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crumas2 said:
Sounded good until I realized it requires getting another credit card. It's difficult to close down accounts without affecting one's credit rating and I like to keep mine in the 800+ range.

How young are we talking about.. im 23 and i have 750+ rating. But your ratings dont go down much I applied to 3 new credit cards, 1 new bank account, and maxed 2 cards and my score is around 745 right now.