I swear to GOD, the whole credit/FICO system is a complete joke.
Too many credit cards, your score goes down.
If you only have one or two cards, your score goes down.
If you use your cards too much, your score goes down.
If you dont use them enough, your score goes down.
If your credit limits are too high, your score goes down.
If you limits are too low, your score goes down.
If your limits are high, but you carry a low balance on the account, its a sign youre a risk for overspending and lenders are reluctant to offer you additional credit.
If your limits are high and you have built a significant balance on the account, its a sign you have overspent and are poor at managing money and lenders are reluctant to offer you additional credit.
Oh, and by the way...to find out how screwed up you are, its going to cost you at least $10 every time you want to check your score to see how you rate.
Its enough to make your head spin and IMO, one of the biggest anti-consumer rackets out there.