# How Deep Are You In: $how Me The Money

**URL:** <https://forums.speedlife.net/t/how-deep-are-you-in-how-me-the-money/247175>\
**Category:** Shift518 Off Topic\
**Created:** [September 29, 2009, 5:55am UTC](https://forums.speedlife.net/t/how-deep-are-you-in-how-me-the-money/247175 "2009-09-29T05:55:11Z")\
**Posts on this page:** 1\
**Showing post:** 47

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**Author:** ![99FRC](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/99frc/32/6335_2.png) [@99FRC](https://forums.speedlife.net/u/99FRC)\
**Post date:** [September 29, 2009, 8:23am UTC](https://forums.speedlife.net/t/how-deep-are-you-in-how-me-the-money/247175/47 "2009-09-29T08:23:37Z")

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> [@omfg! massive brawl!!!!!!!](https://forums.speedlife.net/t/omfg-massive-brawl/23712/5):
>
> My DTI is 9% according to the google calculator I just used. I don’t pay rent or mortgage (parents refuse to accept it), I have no car loans, I only have 11k of school and CC debt. Boy do I hate CC’s. Once I pay em all off, I’m keeping one to maintain good credit (buy gas and such) and then cutting up the rest. CC’s are the devil!

Having one major CC is good for you, using it wisely as you have stated.

Personally, I would keep 3 cards, with open credit lines. Use each one to make a $25 or more purchase every month to keep the account active and pay off the total amount next billing cycle. That will help a lot in maintaining a good score. Going down to just one CC could hurt you in the long run.

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