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I have eight cards total... 5 rev credit, 1 open credit and 2 rev charge (retail & gas), for a total of $66k CL:
BoA Plat Visa
Citi Plat Select MC
Cap One Plat Visa
Chase MC
AMEX Gold Delta Skymiles
AMEX Plat
Macy's store card
Exxon/Mobil gas card
Five of them I've had for a while now (6-10 years). The other three are recent. For my credit usage, and to optimize my FICOs and CRs, these eight work pretty well for me. I can have up to 3 reporting a balance each month to the CRAs, but most of the time, it's 1-2 reporting. I've thought about getting a Discover More (just because it would 'complete the set'), but can't really justify any more cards. Even so often I consider closing one each of the Visa & MCs I have, but can't really think of a good reason to do that either.... so 8 it is, for now.
I have a ton of closed accounts that will fall off my CRs in the next five years (old student loans, mostly), so I'd like my current cards to age and help with my AAoA for a while. I also have a car loan (down to 65% util), but no mortgage right now.
i have a bunch of cards, & it is a pain sometimes to keep track of all the payments & whatnot. but i like staying on top of it, so it's not too bad. but it's definitely not for the unorganized or not-so-responsible. (not judging you, just saying)
i keep an excel spreadsheet with all of my accounts, & all of my gf's accounts, since i handle our finances. it makes it much easier to keep track of the information.
Well I have about 8 cards. Generally 3 carry balances and the rest get use about once every 2-3 months to show usage. If you know how to manage your spending then you should be okay. I check my accounts online at least once a week just to make sure we are on the same page with payments and balances. Also I carry $20 cash in my wallet and keep 3 CC with me at all time. Amex Delta primary, BoA Amex as backup for Delta " NEVER LEAVE HOME WITHOUT A BACKUP FOR YOUR AMEX CARD" then a Visa/MC for places that don't take Amex.
mandela wrote:
improving credit
How many cards do you have and what are they? When were they opened?
casinoannie97 wrote:
FUSED--you're killing me. lmao.
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