zero debt

Is it better for your credit to have several credit cards with moderate limit, or one card with a high limit?

I have zero debt. I also have several credit cards. I am wondering how it will affect my credit to request the highest limit for each card, or if I should cancel all but 2 and have those with high spending limits. Along the same lines, how does "available" credit affect one’s credit score negatively or positively? If I get a ,000 limit on a card (with 0 balance) but say, go to buy a car, will I be denied because I have too much credit out there?

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Monday, August 24th, 2009 Debt 3 Comments