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Established Contributor
Posts: 721
Registered: ‎08-14-2008

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


JaysonT wrote:

Interesting question.  When I started getting cards a little over two years ago, I only had one bank debit card.  I was very much against getting cards because I felt it would be a temptation to overspend.  My spouse kept commenting about all the points and miles opportunities out there and kept pushing. 


Now I have:


Credit Card - 15:
Delta American Express
HHonors American Express
AirTran Visa
Best Buy Mastercard
Chase United Visa
Citi Mastercard
Citi Visa
Citi American Express
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HSBC Mastercard
Nationwide Visa
Walmart Discover
Xceed FCU Visa


Corporate Card - 1:
American Express Corporate (Green)


Store Cards - 13:
Lord & Taylor


Bank Debit Cards - 4
Xceed FCU


Honestly, I think I am addicted to credit cards.  I keep essentially no balance on any of them but rotate through using them to keep them "fresh".

Ok NOW I don't feel so bad.  I was in the same boat as you... 2.5 years ago, no CC, and now I have 13 CCs + 1 Biz card and I have to work to rotate the plastic just to keep them from possibly being closed.  In the last 3 months I've opened 4 new accounts just because there was an incredible free travel offer or 0% financing to take advantage of that I just couldn't pass up.  I'm truly gonna stop where I am right now as I've gotta use up these "offers" or they'll just be a waste otherwise.  But the funny thing is I used to be afraid I wouldn't get approved for something and now I'm afraid I will get approved and I'll have another account to deal with. Smiley Very Happy


CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
New Contributor
Posts: 69
Registered: ‎07-30-2009

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

Wow some of you have a deck of cards.


I have six. Since I plan to buy a house in the next 12-18 months, I probably won't apply for anymore until I get a mortgage. I'd like to replace my rebuilder cards with some "grown up" cards.


Orchard $700

Hooters $500

Cap One $750

Macy's $1000

Victoria's Secret $680

Walmart $700

Moderator Emeritus
Posts: 4,469
Registered: ‎12-31-2008

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


I have four and that's plenty for me.  (Closed Orchard, JCPenney, Walmart, & removed as AU on DH's BofA).

I'm a rebuilder - CH 13 Discharged 18 months ago. 



1 Macy's $3,100 (D'oh!, as if anyone cares - my CL could be $31) 13 months old

1 Dillard's $1,450 (13 months old)

1 Juni $1,700 (9 months old)

1 AFCU $10,000 (1 month old)  SWEET!  My first grown up girl card since rebuilding.  Great interest rate, too (even though I'm a PIFer).  Party time!

Just puttin' syrup on something, don't make it pancakes.
Posts: 103
Registered: ‎10-08-2009

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



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Citi Platinum

State Farm Visa






Starting Score: 665
Current Score: 688
Goal Score: 720

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Valued Member
Posts: 28
Registered: ‎11-29-2007

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

15 cc's and 2 store cards.  I played the balance transfer game (and played it pretty well) right after I got out of college and opened one card after another when the 0% ran out.  Now all those cards except 2 are just sitting in a drawer.

05/25/10 TU 761 EQ 762
10/13/09 TU 751 EQ 775
Regular Contributor
Posts: 140
Registered: ‎03-30-2010

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

Unbelievable how many cards some of you have. I would shoot myself if I had more than 5-6 total cards.


2 - Credit Cards

1 - Secured Card

Established Contributor
Posts: 855
Registered: ‎06-29-2010

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

Five Credit Cards:



  • 2 - Amex
  • 2 - Visa: Chase and Macys (soon to be an Amex)
  • 1 - Mastercard: HSBC


One Store Card:



  • 1 - Macys


Established Member
Posts: 22
Registered: ‎06-14-2010

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

4 major cards (visa master card)

1 store


Starting Score6/14/2010: 640
Current Score7/14/2010: 721
Goal Score: 750

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Regular Contributor
Posts: 104
Registered: ‎08-11-2007

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

Three. Recently turned 39. Male. USAA World MasterCard. 6%. $30,000 CL. Opened 8/93. BOA uPromise MasterCard. 6.24%. $33,000 CL. Opened 9/92. CB Platinum Select. 6.74%. $30,000 CL. Opened 1/09. In my twenties, I had several cards, but I decided to purge the non-majors and focus on building up a perfect credit history with majors. I use debit cards for purchases, but run many of my bills through my credit cards to maintain utilization. I have the credit card companies debit my bank for the balance in full after each billing cycle.
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009

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

Gotta take inventory, but ...


Store cards: 1.

Active credit / charge cards: North of 40.




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