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How Many Credit Cards Do YOU have?

Frequent Contributor

Re: How Many Credit Cards Do YOU have?


Open123 wrote:

Currently, 10 personal cards.  However, will be 4 or 5 in about 6 months.  Smiley Wink


Open, are you combining limits/closing cards/other?

Frequent Contributor

Re: How Many Credit Cards Do YOU have?

I have three credit cards, two store cards and one charge card.

They're all listed in my signature along side the current limits of each card.
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Frequent Contributor

Re: How Many Credit Cards Do YOU have?

I have six total, all listed in my signature. The PRG is probably going to be closed in October after the statement, but the rest of my cards are probably going to still be used. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Contributor

Re: How Many Credit Cards Do YOU have?


Dubious wrote:

Open123 wrote:

Currently, 10 personal cards.  However, will be 4 or 5 in about 6 months.  Smiley Wink


Open, are you combining limits/closing cards/other?


Thanks Dub. I was going to ask the same thing as well.


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+
Contributor

Re: How Many Credit Cards Do YOU have?


bluesnowman wrote:

I have six total, all listed in my signature. The PRG is probably going to be closed in October after the statement, but the rest of my cards are probably going to still be used. 


Sorry if i missed it but why is the PRG closing?

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+
Super Contributor

Re: How Many Credit Cards Do YOU have?


Dubious wrote:

Open123 wrote:

Currently, 10 personal cards.  However, will be 4 or 5 in about 6 months.  Smiley Wink


Open, are you combining limits/closing cards/other?


I had gotten lots of personal cards purely for sign-up bonuses.  

 

Basically, get new cards every couple of months, spend, earn bonus, and repeat.  I wanted to hold them for at least 10 or 11 months before cancelling them before the annual fees are due.  Over the next several months, I have 6 or 7 on the chopping block; mainly, Citi TY & AA cards, Flexperks, Barclay US Airs, NFL and Arrival cards.  

 

For personal use, the only cards I need are SPG, Sapphire, JPM Ritz and BCP.  

Valued Contributor

Re: How Many Credit Cards Do YOU have?

I currently have the 4 listed in my sig.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Frequent Contributor

Re: How Many Credit Cards Do YOU have?

Petraeus- The PRG is an excellent card, but I just don't travel or use the card enough to make the annual fee worthwhile. And also, I got approved for a co-branded airline card, so it won't really have much of a purpose. The only card I want from Amex at this point is the BCE and maybe the SPG sometime in the future. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Contributor

Re: How Many Credit Cards Do YOU have?


bluesnowman wrote:

Petraeus- The PRG is an excellent card, but I just don't travel or use the card enough to make the annual fee worthwhile. And also, I got approved for a co-branded airline card, so it won't really have much of a purpose. The only card I want from Amex at this point is the BCE and maybe the SPG sometime in the future. 


Good point. It is a hefty AF if the card cant pay itself back thru rewards. I spend about 30K a year on it and get the bonus 15K in points so it works for us as the points amount to a really good supplemental to my xmas budget.

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+
Member

Re: How Many Credit Cards Do YOU have?

I believe that I have 6 credit cards and 2 store cards that are active; I've closed a lot of old accounts over the years, partly due to the untimely death of my partner in 2001.  My current goal is to get back to paying off the balance every month like I used to do.




Starting Score: 811 in 2004
Current Score: 679 as of June 18
Goal Score: 750 or higher


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