Reply
Frequent Contributor
Posts: 319
Registered: ‎03-25-2013
0

e: How Many Credit Cards Do YOU have?

[ Edited ]

13 "Bank" and 4 store.  At least 11 of the bank cards have some balance.  most ewill be PIF each month  7 are new this year.

I'm likely not doing this the right way but I had a "good" reason to get each of the 7 this year.  Or maybe not

One day someone might let me get a CLI; those days may be far and few between until salary goes up

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Frequent Contributor
Posts: 464
Registered: ‎10-29-2012
0

ehaRe: How Many Credit Cards Do YOU have?

Yeah, it's mainly aimed for people who travel quite a bit+need a charge card for high amounts. I mainly got it because it was easier to obtain then a revolver, and I wanted to build some sort of history with them. What bugs me is I want the BCE, but they are still in-progressing my app. I applied for it just to see if I get it this time. If not, it's no big loss, but it would make sense, since I drive a lot and it would be an alternative card to my BOFA card, as well as I can still have an Amex without an AF. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Contributor
Posts: 88
Registered: ‎05-21-2013
0

Re: ehaRe: How Many Credit Cards Do YOU have?


bluesnowman wrote:

Yeah, it's mainly aimed for people who travel quite a bit+need a charge card for high amounts. I mainly got it because it was easier to obtain then a revolver, and I wanted to build some sort of history with them. What bugs me is I want the BCE, but they are still in-progressing my app. I applied for it just to see if I get it this time. If not, it's no big loss, but it would make sense, since I drive a lot and it would be an alternative card to my BOFA card, as well as I can still have an Amex without an AF. 


Its funny you mentioned that. I also used AmEX by obtaining my first cc from them (PRG) to pave the way for easier access to better offer cards.

 

When you say processing do you mean you got the 7-10 processing message when you apped?

FICO® Avg: 732 (11/2013)
Notable CC: AMHFCU® PLATINUM MASTERCARD $25K | Chase Marriott Rewards SigVisa $12K | AmEX PRG NPSL | BoA Cash Rewards Signature® Visa $12K | AmEX BCE $9K | Citi Diamond Preferred $10K | Chase Freedom Signature Visa $5K | BoA Travel Rewards® Signature® Visa $5K
Current Overall CL: $139K | UTL: 18% | AAoA 3yrs | Gardening since 11/26/2013
Future CC: Chase Sapphire Preferred Visa Signature®
Future CLI: AmEX BCE 2/2014 | Fico goal: 760+
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
0

Re: How Many Credit Cards Do YOU have?

[ Edited ]

Several.  See my sig.  Gained 2 cards this year, 1 in January, 1 in February, when I was suppose to be in the garden.  1 card already gave me a CLI of $2k.  The other one, I'm still debating to ask for a CLI. 

 

I didn't see this kind of action with my sub-prime CapOne and Barclays cards.  Life is good.

 

Going for 3 store cards in the fall: Banana Republic, J.Crew, and Macy's.  I have a feeling they are friendly in the fall due to the shopping season.

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Frequent Contributor
Posts: 341
Registered: ‎04-21-2012
0

Re: How Many Credit Cards Do YOU have?

5 I think... I dunno its been a while since I last checked my sig....  :smileyvery-happy:

 

Valued Member
Posts: 31
Registered: ‎12-25-2012
0

Re: How Many Credit Cards Do YOU have?

as you see lol!


Starting Score: 592 Current Score: 632
Goal Score: 750

NFCU#7,500 NFL#900 AMZ STORE CARD#1,200 VICTORIAS#500 AMZ CHASE#400 DISCOVER#1500 CAP1#500 BML PAYPAL#500 BML HP#2,000 USAA CLASS PLAT MC#1,000 EXP#250 HSN#500 JCrew#250
Contributor
Posts: 88
Registered: ‎05-21-2013
0

Re: Please Reply: How Many Credit Cards Do YOU Own?


taun wrote:

18 credit cards with a total credit limit of $122,250.00:

 

3 business cards (Amex, Chase, Citi)

2 store cards (Macy's & Dell)

13 personal from major issuers (Chase, Citi, Discover, etc...)

 

These were from the results of two "App-o-ramas".  My limits used to be a lot higher before the credit crunch (e.g. Amex was at $24k before cut down to $2400), but I refuse to close any cards.  I am responsible with my cards though and always maintain total utilization under 1%.

 

Btw, i keep track of all cards using Yodlee Money center.

 

 


+1 I feel the same way. its not about the number of cards if you are responsible with them and manage utilization well and to your advantage.

FICO® Avg: 732 (11/2013)
Notable CC: AMHFCU® PLATINUM MASTERCARD $25K | Chase Marriott Rewards SigVisa $12K | AmEX PRG NPSL | BoA Cash Rewards Signature® Visa $12K | AmEX BCE $9K | Citi Diamond Preferred $10K | Chase Freedom Signature Visa $5K | BoA Travel Rewards® Signature® Visa $5K
Current Overall CL: $139K | UTL: 18% | AAoA 3yrs | Gardening since 11/26/2013
Future CC: Chase Sapphire Preferred Visa Signature®
Future CLI: AmEX BCE 2/2014 | Fico goal: 760+
Regular Contributor
Posts: 399
Registered: ‎08-21-2013
0

Re: Please Reply: How Many Credit Cards Do YOU Own?

Two Bank cards, one secured one unsecured.

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Please Reply: How Many Credit Cards Do YOU Own?

No more HPs for me unless it's from a company who's card I already have. Closed a bunch of cards this year so now I'm down to 8 instead of 13. Feeling proud.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Contributor
Posts: 88
Registered: ‎05-21-2013
0

Re: Please Reply: How Many Credit Cards Do YOU Own?

I'm just curious why anyone would close a CC? Even if you dont like/use/whatever, it doesnt hurt your AAoA and UTL doesnt take a hit.

FICO® Avg: 732 (11/2013)
Notable CC: AMHFCU® PLATINUM MASTERCARD $25K | Chase Marriott Rewards SigVisa $12K | AmEX PRG NPSL | BoA Cash Rewards Signature® Visa $12K | AmEX BCE $9K | Citi Diamond Preferred $10K | Chase Freedom Signature Visa $5K | BoA Travel Rewards® Signature® Visa $5K
Current Overall CL: $139K | UTL: 18% | AAoA 3yrs | Gardening since 11/26/2013
Future CC: Chase Sapphire Preferred Visa Signature®
Future CLI: AmEX BCE 2/2014 | Fico goal: 760+
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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.