[sharpy]

Yep. That makes more sense. But here, they are basically looking at your ability to manage credit "responsibly" by looking at your payment history, and utilization, among other things.

So say if I spend $3000 a month, and pay it off every month in full, and my total credit limit is $10,000, they will ding me regardless of my payment history, because my utilization (30%+) is considered high. So if I want to maximize my credit score, it behooves me to get more cards (easiest way to increase total credit), and spread out the payments among them.