What does this mean about my credit?

It means that your credit history is lacking...go to a href="http://www.annualcreditreport.com" rel="nofollow"http://www.annualcreditreport.com/a and get your credit reports (its free and is the official site). It could be that Maurices does not report to the credit bureaus in which case, very little if anything will show up. The alternative is that your balance is say $100 or higher (using up half your limit) and the credit companies are noting you only make the minimum payment (you should try to pay as much as you can). The goal is to use the card to buy things and to pay off everything as soon as possible - preferably monthly. Carrying a balance only hurts you as you get hit with finance charges.