No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My cards
Chase Slate 7k
Chase Freedom 7k
Barclay US airways 10k
Nordstrom 13k
Macys 10k
Amex Blue 2k
Amex Zync 5k+
Target .6k
UMB 5k
Best Buy 5.7k
AE .8k
@JM-AM wrote:
@TheCreditKid wrote:Haha, why did I post this thread?! It only makes me want to app some more!!!! Haha JK, I can control myself. I think
We all know better!
Would it help any if I said that if I could get it down to five or six, I'd be perfectly happy, and that the only reason that I have so many is that I deliberately set out to "dilute" bad credit with new good credit, and that two lenders (USAA and PenFed) gave me additional cards out of some version of warm fuzzies?
Because it's true!
I just can't bring myself to close perfectly good cards that don't cost me anything and aren't that much trouble to maintain. It just seems silly to have that many.
But if I were starting from scratch, without negatives to overcome, I would have tried to get a collection like you have and stop. Right about at the point where you are now.
I agree with HTSU. I would be perfectly happy with 2-3 cards but I won't close any that I have because they don't cost me anything.
IMO no one needs more than 2-3 CC's. (If you pick the right ones).
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@haulingthescoreup wrote:
@JM-AM wrote:
@TheCreditKid wrote:Haha, why did I post this thread?! It only makes me want to app some more!!!! Haha JK, I can control myself. I think
We all know better!
Would it help any if I said that if I could get it down to five or six, I'd be perfectly happy, and that the only reason that I have so many is that I deliberately set out to "dilute" bad credit with new good credit, and that two lenders (USAA and PenFed) gave me additional cards out of some version of warm fuzzies?
Because it's true!
I just can't bring myself to close perfectly good cards that don't cost me anything and aren't that much trouble to maintain. It just seems silly to have that many.
But if I were starting from scratch, without negatives to overcome, I would have tried to get a collection like you have and stop. Right about at the point where you are now.
True, I'll try to limit my credit applications, it's just so damn addicting( only when I'm approved lol). Also, I've realised I didn't even share my credit Profile with you guys....
Here are my cards:
BofA Bankamericard
BofA AMEX
AMEX Zync
AMEX Blue Cash
Citi "Thank You(SM) Preferred"
BB Store Card
My primary card would have to be the BofA Bankamaricard because It has some of the best benefits amongst all ( 1.25 Points for every dollar, 24/7 Concierge, annual bonus points reward, points redeemable for cash, electronics & more) these are just some of the benefits. This card is also my lowest apr card, with 0% intro for the first 12 months and now it's stuck at 7.24 % on purchases and 19% on cash advances.
NationWide 7,500
Discover 1800
Capital One 1500 soon cut it been here for years
Amazon Store Card 1800
Dell 6500
Target 300
i am tire of credit card just need nationwide go over 12k i be happy.
I've been lurking around here for a while and have learned a lot of very useful information. I thought I understood credit usage and credit reporting until I read what everyone has written in these forums. I had no idea it was so convoluted! Perhaps my past ignorance has been bliss, as I find the the addictive part of my personality shifting into high gear. I'm up to speed now with the "right" credit reports from Myfico, and I thought I'd take the plunge and start participating here in the forums, so here goes;
EQ 12/4/10 - 741
TU 12/4/10 - 735
EX (FAKO) 12/4/10 - 784
Discover - $15,500 CL
HSBC GM Platinum MC- $14,000 CL
Bof A Signature Power Rewards Visa - $10,000 CL
Chase Slate Visa - $7,300
US Bank Platinum Visa - $10,000 CL
US Bank Premium Line Plus Visa - $15,000 CL
UT is 12%, Aa of A is 11 years, and I have one closed card (by me) that had (4) 30 days late back in 2004-2007. The baddies are irritating me emmensely right now as this was a business CC that I had NO idea was on my personal report. With the exception of an expenditure I had to finance for a few months (a new HVAC system for my home) I pay off everything in full each month.
I think I'm lucky my credit is in as good a shape as it is because I've never followed the credit reporting available to me, and not knowing can be REALLY damaging as it turns out from reading all of the wonderful posts on these boards. A new obsession has been born!!!
@android01 wrote:I've been lurking around here for a while and have learned a lot of very useful information. I thought I understood credit usage and credit reporting until I read what everyone has written in these forums. I had no idea it was so convoluted! Perhaps my past ignorance has been bliss, as I find the the addictive part of my personality shifting into high gear. I'm up to speed now with the "right" credit reports from Myfico, and I thought I'd take the plunge and start participating here in the forums, so here goes;
EQ 12/4/10 - 741
TU 12/4/10 - 735
EX (FAKO) 12/4/10 - 784
Discover - $15,500 CL
HSBC GM Platinum MC- $14,000 CL
Bof A Signature Power Rewards Visa - $10,000 CL
Chase Slate Visa - $7,300
US Bank Platinum Visa - $10,000 CL
US Bank Premium Line Plus Visa - $15,000 CL
UT is 12%, Aa of A is 11 years, and I have one closed card (by me) that had (4) 30 days late back in 2004-2007. The baddies are irritating me emmensely right now as this was a business CC that I had NO idea was on my personal report. With the exception of an expenditure I had to finance for a few months (a new HVAC system for my home) I pay off everything in full each month.
I think I'm lucky my credit is in as good a shape as it is because I've never followed the credit reporting available to me, and not knowing can be REALLY damaging as it turns out from reading all of the wonderful posts on these boards. A new obsession has been born!!!
Whoa.... $15,000 CL on Discover?!?! Nice Credit Lines!
The last time I've seen something like that was back in 2007...
The Discover Card dates back to 1986 (Discover's first year of business, I believe) and is the oldest one I have. They've mad a lot of money from me over the years. After reading how many people have had CLDs, especially recently, I'm surprised it hasn't happened to me yet (knocking on wood).
@android01 wrote:The Discover Card dates back to 1986 (Discover's first year of business, I believe) and is the oldest one I have. They've mad a lot of money from me over the years. After reading how many people have had CLDs, especially recently, I'm surprised it hasn't happened to me yet (knocking on wood).
My friend had 17k CL, got CLD back in early 09 down to 9K. Sucks
I can now officially say "one".
Cap One Secured Visa $200 CL.