My care credit card will be paid off this month, I'll keep it open for emergencies if they let me, but as of now I have nothing I want to put on it. I owe 12k on my car, I make extra principle payments, and it will be paid off in 2 yrs. I have 11k in student loans, now that my care credit is paid I'm putting the hefty payments towards these so they should be gone in 2 yrs as well. I will probably trade my car in not long after paying it down as the mileage will be pretty high by then so I'd have new car payments. I have rent, cell, and utility bills in my name always paid on time.
My goals are to buy a condo in 1-2 yrs, perhaps later some rentals, and then start a small business when I phase out of dancing.
I get credit card offers in the mail constantly but never read them. I'm starting to think I should open one and pay it off in full every month to continue having credit history. Am I right in thinking this? Also, am I far enough away from my window of looking to get a mortgage that the credit pull from the credit card company will not effect me? If this is something I should do how do I pick one.. There's so many out there? I feel silly for not having a single credit card but until recently I didn't know there's a responsible way to have them..



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I have worked in banking and finance for the past 14years! 
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