So I am a VS employee and always shop at the store, so I thought it was a good thing that I got the credit card.. the rewards are pretty nice ($10 reward for every 250 points, with some purchases being worth 2pts per dollar) For the first 6 months you get free panty coupons / discounts off bras too (off course, my store discount is almost always better or the same...) Anyways, before reading your site I didn't think anything of it; now, I see that it might actually be hurting my credit? I don't need to repair my credit... and I don't actually need the card; I just use it and pay it off later (because I *thought* I was building my credit) Should I just get rid of it?


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