No. of Recommendations: 0
3 questions + a comment.

I have a credit card right now with USAA which I transferred my previous two credit card balances to and subsequently cancelled them. I want to keep the USAA card (3.9 above prime, 8000 CL) because I have pretty much all my banking with them + insurance and will have the card paid off in about 4 months. This will leave me with one open/active account on my credit report. As it stands I have a 680 FICO.

Question 1: does only having one credit card/ line of credit on my report make it harder/ easier to get loans? i.e. I'm looking to buy a new car in the next 2 years.

Question 2: Which kind of card/ card company would you reccomend? I hear good/ bad about Fleet/MBNA/CITI.

Question 3: What should I be looking for in the card? rewards, cash back, miles? I plan to pay it off every month (I like the idea of money back.)

Thank you in advance,

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