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I use only one credit card for all my transactions as I find it difficult to maintain many and checking – paying the bills will become an up hill task. All when used in the appropriate frequency will not give us any bounce backs. This will not only be applicable to credit cards but also to any thing which we do and use. Credit card I would say is a very useful invention for us to keep our money safely & at the same time we can also earn many benefits like credit score which can in turn be used for any other useful spending of us. Just be using the credit card in appropriate place or even right places it will improve credit score. I think just by using it at the right place if we can improve credit score just put in that extra effort and benefit. There are many sites which tell us how to imrpove credit scores and how we can do this by specifying the place at which it is available. There is the site improvecreditscore.us that gives a categorized link of all the sites which will improve the credit score and benefit all of us using credit card.