<prompt> Human: Hi PF,Thanks in advance for your advice!I had a score of 750 about 6 months ago with a pretty low credit limit I did a decent job paying it off regularly. I requested to increase my credit limit in order too improve my utilization. However, I kind of got myself in a pickle where now my credit card has almost been maxed out for 2-3 billing cycles.I am working on digging myself out of this hole and decreasing my debt. However, I was also seeing that my lack of open credit accounts is also impacting my score. Would it make sense to open another line to increase my overall limit and improve my utilization? I will be careful about using the 2nd card scouts honor. Or should I just work on paying my first card off?Thanks!  <response>: Pay it off. Your credit score is a red herring. You have a spending problem that needs cleaned up. 