<prompt> Human: My question is, if I get 2 credit cards and hold down the utilization and monthly payment, would it raise my credit faster than just 1 card?  <response>: A significant part of your credit score is your history. Showing you reliably make payments on 2 cards is at least equal to showing you only can pay 1. That said, you may take a small, short term hit in your credit score by having your report pulled twice. Source: I have 20 cards, open and close new ones regularly, and have a score over 780. Having multiple cards will NOT HURT your score over the long run. 