> I'm not sure, but applying for and just holding many credit card accounts may hurt your credit rating, even if you don't use the cards. A friend mentioned this to me after having applied for several different cards for their bonus offers (miles, phone minutes, whatever), although he had no intention of using them for very long (just long enough to get the bonuses) or ever carrying over any balances. He decided to close the accounts and then contacted the credit rating bureau or agency or whatever to fix his rating report.
>
> -thornberry

I don't see how it can hurt your credit rating. Having cards that you neve go over the limit on, and never have any outstanding balance on can only be good for your credit rating.

Although, if you never use a card it probably wouldn't affect your rating at all - after all it doesn't say anything about how well you handle credit.

winter"I'll see what I can find out, though"mute