It depends upon your motives.
If you want a higher credit score one way to do it is to increase the debt to available credit ratio. You can do that by either
1. Paying down existing debt or?
2. Getting a higher credit limit.
Therefore it may be a good idea to get a credit account that you don?t necessarily plan on using just for the sole purpose of raising your credit score.
But you have to make sure that you don?t end up using it and getting yourself into deeper debt. That is not the reason for this type of account.
