K
Kristen T
Guest
I have no idea about credit so here it goes...I am 18 years old and I already have 3 credit cards. I have a Victoria Secret card and a Macys card and I was just approved for a Citi MTVU card for college students and its much better(for me at least for books and being a music business major and it has lower rates). I am about to pay off the other ones, should I close the accounts or keep them open? but I also have 2 bank loans that I do pay before time and I do have a savings account that covers everythingx2. Is all of this too much at 18 or does it really effect my score?