Established Contributor
Posts: 747
Registered: ‎10-15-2012

Re: How Many Credit Cards Do You Have?

I have 5. I hope to close 1 or 2 of my sub prime cards and go for Chase Freedom and Discover It later this year.


Good riddance Credit One! If Orchard Bank will waive my AF, I'll keep them around a bit longer.

Starting Score: 515
Current Score: EQ04 689 EX04 693 TU08 723
Goal Score: 700+

Amex BCP $12300 | PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 QS One $2000 | Cap 1 Platinum $1700 | Union Plus $1000 | Target $200
Frequent Contributor
Posts: 374
Registered: ‎02-10-2013

Re: How Many Credit Cards Do You Have?

I have 2. Wells Fargo cash back w/ $900 limit and AMEX Blue Cash Everyday w/ $6,000 limit. 

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000

Established Contributor
Posts: 756
Registered: ‎01-20-2012

Re: How Many Credit Cards Do You Have?

3, all obtained this month :-)


Discover It  $4,000

VIsa from  my CU  $500

JC Penny  $500

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Regular Contributor
Posts: 157
Registered: ‎03-05-2012

Re: How Many Credit Cards Do You Have?

FutureBillionaire wrote:

Llhg71 wrote:

what is the purpose of having so many credit cards?  not judging.  Just curious.  I have 1 visa.

Many folks have several cards to get the maximum possible rewards on categories that they spend alot. Also, some cards need to be combined to get the most possible rewards.  Folks like to have cards for balance transfers and sign up bonuses as well.

+1 on the sign up bonuses and balance transfers as the reason for the cards that I have. I have the 9 cards listed in my signature, plus a CU LOC, a corp Amex and 4 store cards (Macy's, JCP etc). I mainly use the card that gives the most cash back for what I purchase.

FICO: EQ 769, TU 762 , EX ???

Frequent Contributor
Posts: 366
Registered: ‎02-25-2009

Re: How Many Credit Cards Do You Have?

Hi guys, I have 5, couldn't be happier so far. I think I am good at this point for CC. 

I received an offer for the Discover It card the other day, but I think I will pass on it, I like Chase Freedom a lot and it does not make any sense jumping ships.

EQ: 768 TU: 769 EXP: 805
Chase Sapphire Preferred: 7K | Chase Freedom Visa Signature: 5.7K
MERRILL+® Visa Signature®: 9K | Bank of America Accelerated Cash Rewards American Express Card: 1K
BankAmericard Privileges® with Cash Rewards: 7K
Discover IT: 5K | Discover Chrome 3.5K | Costco AMEX: 10.7K | AMEX PRG NPSL | Barclay NFL: 4.9K | Citi ThankYou Preferred World Mastercard 7K | Amazon Chase 1.7K | Barclaycard Arrival Plus World Elite MasterCard 5K | Citi Double Cash 3.5K | FNBO AMEX 4.8K | CAP 1 QS 10K
Posts: 109
Registered: ‎11-06-2012

Re: How Many Credit Cards Do You Have?

32, but I manage them well and they all serve a purpose. (and this is considering that I just closed 5 this month)

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Regular Contributor
Posts: 142
Registered: ‎07-01-2012

Re: How Many Credit Cards Do You Have?

I've got eight, feels like too many...
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Established Member
Posts: 41
Registered: ‎02-15-2013

Re: How Many Credit Cards Do You Have?

[ Edited ]

I have 4


2 Amex (Gold, BCP)

Chase Freedom

BoFA Cash Rewards


I think these are more than enough!

Senior Contributor
Posts: 3,261
Registered: ‎11-13-2012

Re: How Many Credit Cards Do You Have?

until Nov 12 only 2 and now 6 but gardening for 1 more - CSP :smileyhappy:  

FICO® EQ 788 (as of today) - TU 778 (12/27) ¦ Fako EX 811 (12/02 - CS) ¦ last app 01/19/15 ¦ INQ last 2 yrs TU: 5, EX: 5, EQ: 3

Move the mouse over the cards for detailed view!

Posts: 7
Registered: ‎02-08-2013

Re: How Many Credit Cards Do You Have?

Got 4 right now:


Chase Freedom - $1100

Discover More - $750

Amazon Store Card - $600

Amex Green - NPSL


Pretty abysmal credit lines. Gonna go for CLIs as soon as I hit the next 6-month mark for each of them.

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