Hi everybody, thanks for listening!
 sophie from manhattan:
Chapter 11 bankruptcy is for businesses. Chapter 7 and 13 are for individuals. You might want to apply for another card if you are worried about it.
annualcreditreport.com to get an idea of your credit record before you take out loans.
Yes, might as well keep it open. The amount of available credit is part of your credit score; so is the length of your credit history, which may be affected if this extra card was opened before your other cards.
I don't think this should affect your credit score. What could ding it was if you were shopping around for a home equity loan and made a lot of loan applications at the same time.
score if you are paying off the card on time every month. It could be because you are maxing out the one card or you just don't have a long enough credit history. If the former is true, it may not be a bad idea to open another card. Or just stick to cash!
The rest of their information is very reliable and they have been free of security concerns so far. I think it's a good tool.