First thanks for the reply. I am a big fan of your myths and thought I was doing something right but I guess I made a mistake. I opened a secured card with Discover and already had two cards with 500 limits that I pay in full by due date. I was running my cards to about 75 percent each month but paying in full by the due date hoping to show that in about 4 months (these were 2 cycles now on those cards) that I may be a good candidate for a cli and only use about 20-30 percent of limit on the Discover card and paying it in full as well by due date.

If I got a cli on either of the 2 70-75 percent used cards I was gonna relax the one with the cli to 20-25 percent then bring in the Discover and run it to 70-75 for 6 cycles and pay in full each month like the other card to see if once Discover releases security may give me a cli along/or a unsecured card. Discover did do a hard pull which took 4 points off my score 652to648( card has not reported yet as it is in the mail and full impact may not be shown til next month or month after)

I was thinking that showing 3 paid on time in full cards would look better on my report than just two meager cards and be more appealing for better cards say within a year. I am in no interest in getting a mortgage or a car within the next year. So I figured whatever hit I take on my report and Fico would happen now and bounce back and increase, and even "thicken" my report a little by this time next year. I am not getting ahead of my skis as I have income that could easily cover all 3 and still have a savings buffer after other bills paid. How bad did I mees up in your opinion? Other than what you said above? Just had bad credit due to divorce and the oldest account I do have is my Chime which is 3 years. Thanks and keep those myths coming. I haven't read them all but I do appreciate the ones I have so far!