I'm wondering if I should take this card or not, and I just can't decide. Here's my situation. The active accounts I have are: Providian Visa - 36 months old Providian MC - 12 months old Cap One MC - 14 months old Household MC - 16 months old Orchard MC - 14 months old Shell - 2 months old (doesn't report) Walmart - 2 months old Nextcard - 3 months old I know the Walmart card and the Nextcard are in the period where they're still hurting me. I don't really need the Mobil card and the only reason I would consider taking it would be for another positive on my reports. I took the Shell card a couple of months ago not because I needed it but because I was hoping it would lead to an offer from Associates for an MC or Visa. That it doesn't report made the decision easy. What should I do? Since I already have two new accounts, should I go ahead and take this since it really won't hurt me for any longer than my other new accounts already will? Do I have too many active accounts now, therefore I shouldn't add another? I've pretty much never gotten any bad advice here, and I'm going to make a decision on Monday to either send in the envelope or rip it up.