Credit Cards for People with Fair Credit 2018
ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site.
Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site.
Compensation from our advertising partners impacts how and where their products appear on our site,
including, for example, the order in which they may appear within review lists.
Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Top Credit Card Applications for Fair Credit from our partners
Your credit isn't great, but it isn't terrible either. You've had your ups and downs and missed a payment here and there. Can you still be eligible for a card that offers perks like low interest and rewards? The answer is - Yes! With an average FICO score, you can still be eligible for cards on advantageous terms.
There are cards that offer cash back rewards, even for people without the very best credit history. You can get 1% cash back on purchases and watch your savings climb. Look for a card that offers a reasonable annual fee and interest rate for people with fair credit history. Let Credit-Land.com show you the options out there for people with fair credit.
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Help strengthen your credit for the future with responsible card use
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- Find the card that’s right for you without affecting your credit score.
- Show off your personality by selecting from a variety of card designs, a fee may apply.
- Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
- Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
- Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
- As you build a positive credit history, you'll earn more credit line increase opportunities. A fee may apply.
- Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
See Terms
$0
CARD DETAILS:
- No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
- No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
- Instant Response (Delays may occur depending on application data provided).
- Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
- Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
- Choose From Over 450,000 items.
- Shop Great Brands at Fingerhut.com.
- Get the Credit You Deserve.
- We just love saying "YES!"
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- Find out if you Pre-Qualify without harming your credit score
- Eligible purchases earn 1% cash back rewards automatically, terms apply
- Get a credit line between $300 and $3,000 based on your credit history
- Looking for more credit? Get credit line increase opportunities, a fee may apply
- Choose your monthly payment due date for added convenience, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Manage your account on-the-go with the Credit One Bank mobile app
- Looking to rebuild credit? We report to the major credit bureaus monthly
- View your Experian credit score online for free, terms apply
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
CARD DETAILS:
- Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application
- If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Applying is quick and easy with our fast decision process
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
CARD DETAILS:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
8.15% to 25.15% (V)
$0
CARD DETAILS:
- Enjoy one of the lowest APRs in the industry.
- Same low rate for purchases, balance transfers and cash advances.
- No foreign transaction fee.
- USAA membership is available to active and former military and their eligible family members.
Excellent/Good/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
0% (12 months)
12.15% to 27.15% (V)
$0
CARD DETAILS:
- With this card, you can help American Veterans assist veterans and their families. USAA Bank will make a contribution to American Veterans when you open an account, make eligible purchases and keep an active account.
- Get 2,500 Bonus Points after your first purchase. Start earning 1 point for every $1 spent for all your every day purchases.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Enjoy no cap or expiration date on points.
- Enjoy no foreign transaction fees when you travel outside of the United States
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- See if you Pre-Qualify without harming your credit score
- This unsecured card requires no deposit and can help build your credit
- Track your progress with free online access to your Experian credit score, terms apply
- Build your credit history—we report to the credit bureaus monthly
- Looking for more credit? Get credit line increase opportunities, a fee may apply
- Enjoy the flexibility to choose your payment due date, terms apply
- Receive 1% cash back rewards on eligible purchases, terms apply
- No need to fret—you’re covered by $0 Fraud Liability
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
- Get access to a higher credit line after making your first 5 monthly payments on time
- Pay no annual or foreign transaction fees
- Fraud coverage if your card is lost or stolen
- Pick the monthly due date that works best for you
Bad/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
CARD DETAILS:
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine VISA card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- If approved, simply pay a Processing Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
- No-Fee credit line increase opportunities!
Excellent/Good/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
0% (12 months)
12.15% to 27.15% (V)
$0
CARD DETAILS:
- Show your military pride while supporting the affiliate group of your choice.
- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Earn points without a cap or expiration.
- Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
- Redeem for cash on your mobile device.
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Help strengthen your credit for the future with responsible card use
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- See if you Pre-Qualify without harming your credit score
- This unsecured card requires no deposit and can help build your credit
- Track your progress with free online access to your Experian credit score, terms apply
- Build your credit history—we report to the credit bureaus monthly
- Looking for more credit? Get credit line increase opportunities, a fee may apply
- Enjoy the flexibility to choose your payment due date, terms apply
- Receive 1% cash back rewards on eligible purchases, terms apply
- No need to fret—you’re covered by $0 Fraud Liability
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- Enjoy peace of mind with $0 Fraud Liability
- See if you Pre-Qualify in less than 60 seconds
- Receive 1% cash back on eligible purchases, terms apply
- Enjoy more buying power with credit line increase opportunities, a fee may apply
- Choose your monthly payment due date for added convenience, terms apply
- View updates to your Experian credit score with free online access, terms apply
- Access your account on-the-go with the Credit One Bank mobile app
- Never miss an account update with customizable text and email alerts
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
- Get access to a higher credit line after making your first 5 monthly payments on time
- Pay no annual or foreign transaction fees
- Fraud coverage if your card is lost or stolen
- Pick the monthly due date that works best for you
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- Find the card that’s right for you without affecting your credit score.
- Show off your personality by selecting from a variety of card designs, a fee may apply.
- Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
- Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
- Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
- As you build a positive credit history, you'll earn more credit line increase opportunities. A fee may apply.
- Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
CARD DETAILS:
- Click «APPLY ONLINE» to see if you Pre-Qualify
- Find out if you Pre-Qualify without harming your credit score
- Eligible purchases earn 1% cash back rewards automatically, terms apply
- Get a credit line between $300 and $3,000 based on your credit history
- Looking for more credit? Get credit line increase opportunities, a fee may apply
- Choose your monthly payment due date for added convenience, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Manage your account on-the-go with the Credit One Bank mobile app
- Looking to rebuild credit? We report to the major credit bureaus monthly
- View your Experian credit score online for free, terms apply
Excellent/Good/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
0% (12 months)
12.15% to 27.15% (V)
$0
CARD DETAILS:
- Show your military pride while supporting the affiliate group of your choice.
- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Earn points without a cap or expiration.
- Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
- Redeem for cash on your mobile device.
Excellent/Good/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
0% (12 months)
12.15% to 27.15% (V)
$0
CARD DETAILS:
- With this card, you can help American Veterans assist veterans and their families. USAA Bank will make a contribution to American Veterans when you open an account, make eligible purchases and keep an active account.
- Get 2,500 Bonus Points after your first purchase. Start earning 1 point for every $1 spent for all your every day purchases.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Enjoy no cap or expiration date on points.
- Enjoy no foreign transaction fees when you travel outside of the United States
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$39
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is ever lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Help strengthen your credit for the future with responsible card use
Fair/Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
CARD DETAILS:
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $500.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Our application is quick and easy with instant pre-qualification available
- All credit histories considered
- Access your account online or from your mobile device 24/7
- Choice of card image at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
CARD DETAILS:
- Applying is quick and easy with our fast decision process
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
Bad Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
See Terms
$0
CARD DETAILS:
- No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
- No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
- Instant Response (Delays may occur depending on application data provided).
- Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
- Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
- Choose From Over 450,000 items.
- Shop Great Brands at Fingerhut.com.
- Get the Credit You Deserve.
- We just love saying "YES!"
Fair / Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
8.15% to 25.15% (V)
$0
CARD DETAILS:
- Enjoy one of the lowest APRs in the industry.
- Same low rate for purchases, balance transfers and cash advances.
- No foreign transaction fee.
- USAA membership is available to active and former military and their eligible family members.
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
- Get access to a higher credit line after making your first 5 monthly payments on time
- Pay no annual or foreign transaction fees
- Fraud coverage if your card is lost or stolen
- Pick the monthly due date that works best for you
Excellent/Good/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
0% (12 months)
12.15% to 27.15% (V)
$0
CARD DETAILS:
- Show your military pride while supporting the affiliate group of your choice.
- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Earn points without a cap or expiration.
- Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
- Redeem for cash on your mobile device.
Excellent/Good/Fair Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
0% (12 months)
12.15% to 27.15% (V)
$0
CARD DETAILS:
- With this card, you can help American Veterans assist veterans and their families. USAA Bank will make a contribution to American Veterans when you open an account, make eligible purchases and keep an active account.
- Get 2,500 Bonus Points after your first purchase. Start earning 1 point for every $1 spent for all your every day purchases.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Enjoy no cap or expiration date on points.
- Enjoy no foreign transaction fees when you travel outside of the United States
Making Strides with Fair Credit
When used wisely, by making on time payments and keeping account balances below their credit limits, cards for fair credit may help you boost your FICO score. Knowing what to expect from these cards and using their terms to your advantage may help you graduate from a fair credit rating to an excellent one, but you must be diligent and patient because previous mistakes take time to correct. It may take several years of prompt payments to restore your good credit.
Here is a rundown of what you need to know about using and applying for credit cards for fair credit:
Interest Rate
Credit cards designed for people with fair credit may carry high interest rates. Your best bet is to avoid carrying a balance on the card for any extended amount of time.
Additional Fees
Credit cards for fair credit sometimes come with higher fees than other cards. These fees can include one-time processing fees, so keep an eye out for those charges when evaluating an offer.
Rewards For Fair Credit
Some credit cards in this category offer rewards that include cash back on travel and other purchases. Since rewards cards for fair credit tend to have higher-than-average interest rates, it pays to be careful.
From Fair to Good Credit
Pay on Time: 35% of your credit score is based on your payment history. Never miss a payment deadline.
Keep Low Balances: 30% of your score is your "credit utilization ratio", which compares your total available credit to the amount of credit you have used. The lower your ratio, the higher your score will be.
Keep Cards Open: 15% of your credit score is the average duration of your accounts, with emphasis on length. The amount of new credit, and the number of types of credit make for 10% each.
See also Credit Cards for:
