Credit Rating Credit Cards

I have three credit cards, but only the use, and repay in full each month. I plan to make a large purchase at Best Buy and saves a lot of money if I open a credit card to purchase. (I think that would be nearly 20% of 150). I never use this card.

Is it bad for my credit rating credit cards that I never use?

You should never need more than three credit cards active at any given time, and they should all have activity on them, however, should not raise the balance. Instead of using your debit card or cash for lunch using your credit card here and there. Just make sure you pay the bill in full when it comes each month. If you wish to carry a balance, so never carry more than 1 / 3 of the available credit limit, which may affect your score, even if you pay it back quickly.

Regarding opening another account with Best Buy, I would say too much if you do not intend to use it again. Although 20% is good, but you actually lose a few points of torque just check your credit score, then you can devalue your score than to have another revolving account.

Instead, go to your local post office and pick up a travel package, the package contains the form for electronic delivery, inside this package is a coupon for 10% discount on any purchase at Best Buy .

I would suggest just using one of your other credit cards and using the coupon of 10%. Then, as I mentioned, every time card is used for misc things the bank for lunch, dinner etc, then just pay the bill off or pay more than the min payment due. This will help your credit score.

If you want the future to buy a house car, etc., so that the lender will search your credit history in the long term and they want to see three active accounts in good standing.

I hope this helps, and I wish you good luck, I hope you enjoy your new purchase!

No, this is not bad, it's really good. Your credit score reflects your "available" credit and the amount of credit you have actually used. With more credit available show lenders that you do not "need" for credit and are responsible therefore it is less likely to lend to you.

You can use this monitoring service credit in the future pre-estimate scores for different scenarios of these payments - buildcredit.ifastnet.com

No, it is not bad for your credit cards you have never use.