Quote Originally Posted by Partial
Do a lot of people my age get into a lot of CC debt? That has never really been an issue for me. I have two credit cards, one from my bank and another for emergencies with a higher limit that I have never used. Is this damaging my credit rating having two? I have always paid the one on time, and the other I have never used.
Yes, many are very irresponsible. It is probably not damaging your credit having too. In fact, I'll give another take on this.

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