My income is $28,500 (and I just received a $1200 bonus last friday). I have a capital one card with a $300 limit. Each month I charge my msn service to this card ($21.95) and pay it off. I am keeping this card because I have had it for 2 years in December. I have an Orchard card (1 1/2 years) with a $600 limit. My balance is $225 (thats 38% of my limit). I plan to close this card as soon as I #1 pay it off and #2 receive my Citibank card. I have a Target card with a $200 limit. I have had this card about 1 1/2 years also. The balance on this card is about $25 (about 12% of my limit). And the only reason I have a balance is because I went there last Saturday and only had $80 on me and my bill was $85 so I paid $60 in cash and put the rest on my card. I just applied and the check just cleared yesterday for my secured AmEx optima card. I deposited $200 and will deposit $300 more when I receive the card (from my bonus). My goal is to deposit $100 a month until the year mark and then see if I can get a regular card. I want to get a Key Jewelers card. I wrote something today if you want to know why I want this card. I have been working hard at paying everything on time for the last 2 years. I have been cleaning up my credit reports since July of this year. I work full time because I must pay for my rent(I live by myself in SoCal) and all my bills. Did I mention that I go to school 3/4 time and can't get grants and most scholarships that I want because I only go 3/4 time not full time. I take 10 units and full time is 12. Also my income is too high for them. I do not have a car payment. My insurance is $60 a month. I do plan on buying a brand new car in a year and a half (if mine makes it that long). SO THE POINT OF THIS POST IS.... DON'T ASSUME YOU KNOW A PERSONS FINANCIAL SITUATION. YOU KNOW WHAT THEY SAY ABOUT THAT. p.s. I am working on a promotion at work, that means that my income will increase at least $5000 a year. I'll keep you posted.