Chase freedom?

[netsfan549]

I curently have 4 credit cards open. One with 18 dollar balance, 600 balance, 3000 balance and another one with 400 balance. I am trying to improve my credit score. is currently at 640. I just got a sweet offer from Chase freedom. No apr till March of 2016. If I open that one up, Will I have too many credit cards?

[js0319]

That's all relative to your financial/credit situation. It sounds like you need to work on your utilization, and that would probably bring you up from a 640. 

[netsfan549]

My utilzation right now at 30 percent

[Anonymous]

Have you checked creditpulls database? That could help with your decision.

[netsfan549]

No, where do I check that

[Anonymous]

Saying is that too many credit cards is like saying do I have too many girlfriends, its up to you to know how many you can handle

but my opinon- No it isnt

[Focused10]

Util at 30% is kind of high. Can you get CLIs on any of your accounts? I would do that first.

[Anonymous]

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@netsfan549 wrote:

I curently have 4 credit cards open. One with 18 dollar balance, 600 balance, 3000 balance and another one with 400 balance. I am trying to improve my credit score. is currently at 640. I just got a sweet offer from Chase freedom. No apr till March of 2016. If I open that one up, Will I have too many credit cards?

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If this is the main reason you want the card I would hold off on it and work on paying the current balances down to under 10% if possible. Your scores should increase. Now if you want it for the limited time $200 bonus vs. $100 then thats a different story but the Freedom is advertised on the website as 0% for 15 months so thats the standard offer unless I'm missing something?

[SunriseEarth]

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@netsfan549 wrote:

I curently have 4 credit cards open. One with 18 dollar balance, 600 balance, 3000 balance and another one with 400 balance. I am trying to improve my credit score. is currently at 640. I just got a sweet offer from Chase freedom. No apr till March of 2016. If I open that one up, Will I have too many credit cards?

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I don't think we know enough about your profile.   I think 640 might be lowish for them, although some profiles have been approved at lower scores.   They've also denied higher scores (they pulled a 687 for me and I'm currently reconning a denial).

What baddies are on your profile?   How new are your accounts?   How many HPs do you have on EX?