I have heard that its a good rule to have the following: 3 credit cards 2 department store cards 2-3 loans as a good mixture for ones credit file. Now if a person cannot get unsecured credit cards, but can get secured credit cards should that person get more than 1 secured cc to mix up the file? I have seen 3 good secured cc that will change after 12 months of good activity; Wells Fargo, Bank of America and American Pacific bank. If one gets these 3 and keeps them in good standing will it help out tremendously like a unsecured cc or will it only help in a minor way.
