Positive info: Providian, opened 8/00 550 limit, 40 bal, never late Cap One, opened 11/00 "140" reported limit, 500 actual, 50 ballance, never late. So, do I go for another card, and if so, which one? Or do I stick with the two cards, and obtain some type of retail card? Will a 3rd or 4th card really help that much? My main goal at this time is to obtain an auto loan in about 6 months. $24K car with about 4K down. What are my chances at getting a decent rate with a 6.5 yr old unpaid repo on the reports? Thanks for any help!