How to build a good credit rating

[alrocky]

Originally posted by: Orsorum
... Just makes it easier to keep track of a single balance. Is this good, bad, or irrelevent?

Hmmm. I suggest K.I.S.S. Keep It Simple Sir. I can't imagine that this method would improve your credit rating (which was my initial thought as to your motive) or how this would differ from using both cards in any given month as long as you pay them both off each month. You know you don't need to use both cards. If you want, use one card for most of your purchases and the other for your big ticket purchases or X times a year. Don't get hung up on the process of how to use a CC or how to improve one's credit rating. Paying off your CC bill(s) at the end of each month will take care of that. Good to hear that you are paying off your CC every month.