Hey guys,

I was hoping some of you could help me with some questions regarding credit cards and my credit history. I'm pretty clueless when it comes to this stuff and tend to worry a lot so any help would be great.

Does applying for a new credit card hurt my credit in any way? I just applied for my second card tonight and I am pretty worried at the moment. The card is through my bank and has no annual fee and a low APR so I'd like to think I'm pretty safe.

From what I can tell, applying for a credit increase on my exsisting card doesn't affect my credit. Is this true?

Since the new card has no annual fee, are there any charges that can be placed on it if I do not use it? I mean, if I don't use it to make purchases for a few months, will there be any charges accessed to me monthly?

Thanks for any help.