<prompt> Human: The last negative reports on my report just dropped off and my score jumped 50 points to 800. My situation is:Two CCs. One I have had for 7 years or so. The other is a Target-MasterCard but has only been that way for a year - for 3 years prior it was just a Target store card; not sure if that matters.Two store cards, both open for about 2 years.All cards are fully paid off essentially.6k debt in a personal loan and 25k in student loan debt one bundled loan now. I own my car, and have no mortgage or property. Am saving for a down-payment, and not expecting to buy for 3 - 5 years.I have a free account at SavvyMoney and now have As across the board.Questions:My credit union has a card with a 10.65 interest rate, and no annual fee. Should I get one just to have it, to increase my account history?I read in the side-bar that beyond 740 doesnt really help you, but what about when I finally buy a house?  <response>: 1. Getting new credit cards doesnt hurt your score much, if at all. Sometimes mine seems to go up after I have had a new card for a month or two.2. Use CCs for the rewards, not the interest rate. If youre being responsible with the card and not carrying a balance, you should never have to pay a dime of interest, so the rate doesnt matter. Rewards, on the other hand, can be worth hundreds of dollars for sign-up bonuses.3. Speaking of bonuses, what I usually do is sign up for a new card right before I buy something large, like a flight or a piece of furniture or something. This allows me to easily reach the 20003000 or whatever spending goals in the few months that you usually have to do it.Check out NerdWallet to compare some of the best rewards cards: Source: I have 18 credit cards, a credit score of 805, and no consumer debt. 