不知道每个月还清帐和还大部分（>mini）哪个对信用记录好?申请店里的信用卡是不是对信用记录不好？还有是不是信用卡的limit过高也不好？

1. As long as you pays > mini, it is the same. So it is better to pay off because you don't have to pay the interest and financial charge, then.

2. 申请店里的信用卡是不是对信用记录不好？ Not necessarily. It is the total borrowing power (the sum of your credit limits) that matters. So yes, 信用卡的limit过高不好. But 申请店里的信用卡 really depends on the credit limit that they give you.