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if you pay off the balance each month it does less to help your credit score than carrying a balance from month to month.
credit scores are based on your income class and how your debt is managed. making reasonable payment(above the minimum required) and not maxing out a credit card will help sustain your already strong score.
one big mistake people make is picking a card based on the limit. this can be a huge negative on your credit score since it is instant debt, too much available debt will start knocking down your score.
no one person should ever carry more than 2 credit cards, and only one would need to have a large limit(keep the limit below 10k).
the other card could be used as a points card like the GM card or airline cards. use it for routine purchases to sustain a storng credit rating and either pay it off monthly or pay all but $5 jsut to show some carried balance. this card should be maintained at a lower balance, liek a $2000 max so that it can be kept in yoru wallet for common expenses or emergency use.
the biggest thing to watch out for is the credit card companies trying to be slick and encourage you to spend by randonly increasing your limits. when you are approved for a card, call right away and tell them that you will not authorize any limit increases that you do not specifically request.
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