| You could have 50 cards and as long as you kept them in good standing, low utioazitiln, no lates, etc. they won't hurt your scores you would take small dings for inquiries though.If you are adding 3-4 cards, and you already have a good card portfolio that has fairly good history, the inquiry dings should be small. After 6 months the inq's will be less of a significance on your scores and at one year they will have no impact at all.Available credit is not debt.I can see only one card that you currently have that is probably keeping your scores from actually being higher than they are now. That would be the Cap One card.Cap One is notorious for not reporting credit limits, they only report high balance that makes it look like you are over utilizing the account.
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