I have 2 credit cards (Chase and Capital One) and several checking and savings accounts (which I will soon consolidate now that I'm reasonably settled in one place).

I use my Chase card for pretty much all of my expenses, and never carry a balance into the new billing period. I'm not looking to buy a house anytime in the near future, however, overall, I care more about paying less than I do about maintaining a good credit score.

I've never missed a payment, or payed late. I've never overdrawn my accounts and I do my best to keep all of my accounts liquid.

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Heil Frasbee