<prompt> Human: I have maxed out my credit card which I know is terrible and I am making payments on it and taking extra shifts when I can. I am a student and I dont want to completely ruin my life with a bad credit score. If I get another credit card and never use it, while keep making payments on my maxed out credit card, will it help my credit score?  <response>: i would be more concerned about ruining your life with debt never mind the credit. Do not open another credit card. Just pay the one you have off and dont use it anymore 