No. of Recommendations: 0
You did not mention what your current FICO score happens to be!!! My advice, unless you are close to obtaining a mortgage, applying for a new job, or purchasing an automobile or other high cost item you need to finance, your FICO score is what it is!!!!!

FICO scores are used for more than obtaining credit. If the score is low, then some effort might be justified. Mostly, it is time on established accounts and reliability paying any debts that is required. Paying interest isn't a requirement.

In some cases adding a credit card would be useful. I have always maintained multiple credit cards on the theory that over time there will either be a problem with the issuer or my needs change. With long standing multiple accounts, changing an account isn't a problem.

It is only recently that we obtained a credit card that doesn't have a foreign transaction fee. Previously, we hadn't traveled out of the country enough to justify it.
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