i have had a CC with my credit union, and even though i've used it minimally and pay it in full each month, my score is just in the fair range. granted, i've only had it for 8 months and my first CC ever, but when i checked my credit score (through credit karma which supposedly gets its score from transunion, dunno how reputable that site is), one of the things that pulled down my score was the limited credit accounts i have. i only have my auto loan (for 9 months) and the CC, both with my credit union. should i open a 2nd CC to add more accounts? if so, with which company? i hate big banks though. if possible, those cards that dont have annual fees. im not planning to buy a house yet, at least not in the next 3 years or so, so no mortgage stuff yet. i hope im not asking for too much.