Does it hurt me that I only have one credit card? My American Express card balance is currently below $3,000.00.

Hi 1-Card!
It doesn't hurt to have only one credit card, but your American Express card may not be a credit card, it might me a charge card. American Express cards, traditionally have not allowed you to carry a balance from month to month, that's what's made them charge cards vs. credit cards.
Call them and ask. If it's not a credit card, your payment history might not be reported on your credit report. If this is the case, you might want to consider getting a credit card if you're looking to build credit quickly.
Also, the balance on your card is relative. How much is your limit? If your limit is $3000 and you owe $3000, your using 100% of your limit and that's too high. Ideally you never want to use more than 30% of the limit on your card.
Hope this helps!
Sidenote: I also just launched a free resource for you, The LIVE RICHER Challenge. I'm helping 10k women gain control of their money in 36 day. You can sign-up here for free: http://www.livericherchallenge.com/.
I look forward to helping you live a richer life,
Live richer,
The Budgetnista

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