<prompt> Human: I currently have two cards: An AmEx blue cash because AmEx is good to me and a Chase Amazon Visa for places that dont take AmEx.I pay the balances off in full each month.Notes below my credit score often highlight that I have too few accounts paid as agreed. I have these two open CCs, and a couple of paid-off car loans which are aging offhave aged off the report. I dont have any accounts not paid as agreed.How much of an effect does having too few accounts have on my score? Is it worth opening up one or two more cards to make this problem go away?Assistant: How is it actually a problem? In what way has this actually had any negative effect on your life? Have you ever been turned down for a loan because of this?Human: I dont believe Ive experienced negative effects. Its possible I was given a higher-interest car loan as a result.Im interested in getting a mortgage over the next year or two and want to have as high a score as possible when I apply for one.Assistant: What is your score currently?Human: CreditKarma has it at 752.  <response>: I dont think getting it higher than that will have any effect on your rates. From what I have seen posted on here, anything higher than that it doesnt make a difference. 750 is excellent credit. Another year or 2 of on time payments wont hurt it either.I think you may be worrying about nothing. 