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Reply to "Why is DH's credit score higher than mine?"
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[quote=Anonymous]I would open another card. As others have said, it's not a bad idea to have a spare in case your card gets lost or involved in some online fraud (it's taken me up to several days to get a new card in this case). 10k out of 20k is high even if you pay it off every month. If you get a new card it'd be more like 10k out of 30k and yes that looks better to the CC companies. If you really don't want to get a second card then you can pay the balance before the statement- in that case it would show 0k of 20k on your report and would also improve your score. [/quote]
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