My credit report clean up is winding down and my credit building efforts are taking over in its place. Last week I closed 2 Orchard Bank cards as they had high annual fees, and kept my 2 Capital One cards with lower AF's. I've set up those cards to be billed automatically each month, in amounts between 1-10% of their respective CL's, and they are both on autopay in full through my bill pay system.
Do I need another card? I read the Creditnet blogpost about the Capital One Newcomer card with no annual fee and low credit score requirements , and liked the fact I could get a card with no AF even with my low credit score. However, will having a 3rd card set up like the others (auto charge, auto pay in full each month) help build credit history?
I also have a student loan and secured loan to diversify my credit.