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Credit bureaus rate credit based on activity. If you maintain balances more than 50% of your limits on your cards the majority of the time your score will go down. Get 1 or 2 credit cards at most. Get credit cards with miles. Use them to pay your monthly expenses and pay off the card every month. This will establish a history of responsible credit activity and keep your score in the rise. Plus, you will avoid interest charges and at the end of each year or so you will have enough miles to take free trips!
I know this because I slang loans and I give this advice to people with bad credit. It works!
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