Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Will getting a second credit card help my credit rating?
This very much depends how you use that second line of credit and what your current credit is. There are of course many more combinations buy you can probably infer the impact based on these cases.   Your credit score is based on your likely hood of being profitable to a creditor should they issue you credit. This is based on your history of your ability to manage your credit.  Having more credit and managing it well shows that you have a history of being responsible with greater sums of money available.  If you use the card responsibly now then you are more likely to continue that trend than someone with a history of irresponsibility.  Having a line but not using it is not a good thing.  It costs the creditor money for you to have an account.  If you never use that account then you are not showing that you can use the account responsibly so if you are just going to throw the card in a safe and never access it then you are better off not getting the card in the first place.