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If you have to use credit cards, it is best to use one visa or mastercard by using a larger balance, than 2, or 3 with lower balances. The better credit cards you have, the lower your credit ranking will probably be. Utilize one card, and pay for the payments promptly and also hardwearing . credit standing healthy! Keep watch over your credit cards although you may don't make use of them often. Should your identity is stolen, and you may not regularly monitor your visa or mastercard balances, you might not keep in mind this. Check your balances one or more times per month. When you see any unauthorized uses, report those to your card issuer immediately. Each and every time you want to apply for a new visa or mastercard, your credit track record is checked and an "inquiry" is made. This stays on your credit track record for as much as 2 years and lots of inquiries, brings your credit ranking down. 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