<prompt> Human: Just out of curiosity what affects your credit better good or bad if at all?Ive had a capital one credit card and a wells fargo secure credit card for about a year and a half now. At 33 Ive never had anything on my credit score other than student loans when I was a kid that my mother managed. So in the span of having the cards I went from a 0 to a 677. Both get moderate, maybe four swipes a week for minor purchases and get payed off more than the minimum amount due, but have a running balance. Just randomly wondering if theres a difference in credit building between the cards as I purchased a new metrocard...thankayou  <response>: If you arent paying them off in full aka carrying a balance, getting another credit card is a terrible idea. Pay the ones you have off in full EVERY month and then you can think about getting another card. 