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What mix of credit lines and loans is optimal for my credit score?
Over time, you'll have more loans, maybe a few store cards, mortgage, car loan, etc.  I'm a fan of maximizing one's wealth, and the small rebate/reward adds up over time, so I'm not against the store cards, so long as you always pay the bill in full.  As far as FICO is concerned, what they 'like' to see may not necessarily be optimum for you. I'd suggest you go about your business, and over time use the few cards that combine to give to the best benefit combination that works for you.