Yes, many are very irresponsible. It is probably not damaging your credit having too. In fact, I'll give another take on this.Originally Posted by Partial
Regarding the two credit cards, for your credit rating I'd actually like you to be using both of those credit cards each month. Take that card you never use and charge gas or a small purchase once a month and pay it if full.
Remember every time you make a payment on time you get a positive remark to the credit burea and your score. If you don't have an auto loan, then IMO it's more important to use two CC's going forward to you have two positive trades (payments/marks) reported each month.
B