Credit Card Center Advertiser Disclosure

Posts: 76
Registered: ‎08-07-2008
0 Kudos

Any other cards?

Let me know what you think of my current credit setup, I am wondering if there is another card that I am missing that would fill a gap:
Citi Dividend Platinum Select MC: For groceries, gas, convenience stores, etc - 2% cash back on these
Discover More: For current promotional categories (restaurants, movies, etc.) - 5% cash back on these
Amex Green: For all other purchases - Membership Rewards Program
Cap1 Visa: For any big purchases that I need to carry a balance on - 7.65% APR
Brooks Brothers GEMB MC: Sockdrawered/purchases at Brooks Brothers
Macy's Store Card: For credit mix purposes
Is there anything I'm missing? Do I have all bases covered? I don't frequently buy gas so a gas card is not really something I am interested in.
New Contributor
Posts: 71
Registered: ‎09-04-2008
0 Kudos

Re: Any other cards?

I would think that 6 cards is enough, although I know some people on this board seem to carry much more. If I were you, I would just take good care of what you currently have. I have 3 individual and 1 AU; for me that's enough.
You have both bank and store cards so you should not worry about the credit mix. Do you have any installment loans? If you don't, then maybe you should consider an installment loan rather than another credit card.
Posts: 76
Registered: ‎08-07-2008
0 Kudos

Re: Any other cards?

No installment loans, was thinking about taking one out and depositing the $ into a HYS account just to help my score.
So I'm not missing any cards that are good for specific categories?
I guess my logic was I have a card for:
Everyday purchases (Citi Dividend)
Entertainment/rotating (Discover More)
All PIF general expenses (Amex Green)
Big-ticket items (Cap One)
Which seems like I have about covered everything besides gas.
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: Any other cards?

I agree with Baby Blue: you have a great line-up there, and it sounds like it works for you.

Many people here have a lot more cards because they started with weaker cards and had to slowly work their ways up. All your cards sound like keepers, though.

You are currently fitting the profile of the "FICO High Achievers" (thread linked in my siggy.) That should comfort you that you're on the right track! Smiley Very Happy
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.