<prompt> Human: Hi all,As a college student with one year left of classes, I am wondering if I should apply for a second credit card.I have one card currently Discover It for students that is always paid on time. Would a second card help my credit score at all?I plan to sign a new lease at the end of May with my own name on it which I assume will also help a bitThanks for the advice!  <response>: Unless you do something really bad or really unusual, like defaulting on a loan or winning the lottery, your credit score will increase naturally, on pace with your the progress of your life, and you will probably never find yourself in an oh shit I need to artificially boost my credit score moment.If there is a credit card out there that has rewards or features you want, and if it is open to students or people with your low income level, then go for it. If there isnt, then dont. If you do get it, make sure you pay off the balance in full every month to avoid interest charges.Once you have a full-time job after graduation, a lot more credit card options will become available, so you may want to just wait until then, unless your current card is really causing you problems. 