<prompt> Human: Rebuilding my credit. Ive Cleared my credit report and watched my score climb.Got a Discover Secured card and it has worked wonders for my credit score now in the 600s!I use 30 of my limit and pay it off when the statement arrives. Now Ive gotten an offer for another card. Low limit 300-500. Interest 24 doesnt matter cuz I will never carry a balance. but theres an annual fee of 75.x200B;so heres my question:Will it improve my credit score? having more credit and using 30 of it.In my mind, that 75 fee is worth it, if it will do that, but if not, then I wouldnt get the card.Or should I sit back and wait for better offers to roll in?x200B;Thanks for your input.x200B;  <response>: no. not worth paying 75 a year for. wait for the score to go up from the secured card, look for a no fee card.. or apply for them and see if they reject you. 