Credit Card Center Advertiser Disclosure†
12-01-2010 11:42 PM
I've just finally noticed that 6 credit cards is too much for me to handle.
I really hope that I'm not the only individual with this much credit cards...
Just out of curiosity, how many credit cards do you have and what's your primary card?
12-02-2010 12:10 AM
Too many, but I just can't stop apping!
11 to be exact. I don't have a "primary card". Chase, Discover, and BoA are SD'd. FNBO and Barclay both have large balances from recent large purchases and will be paid off within 3 months, so I'm not using those right now.
I am still anxiously waiting for my US Bank card to arrive in the mail. Once I get that, US Bank, Citi, WF, Amex, FNBO, and Cap1 M/C will be the only ones I will carry, and all the rest will be SD'd for a while.
12-02-2010 12:43 AM - edited 12-02-2010 12:43 AM
24 or so, with a total combined credit limit of around $250k or so.
12-02-2010 02:59 AM
I have currently have 2:
BankAmericard Cash Rewards-$2,000 cl
Citi Dividend Platinum Select for College Students-$4,000 cl
I had others but closed them due to low credit limits or high interest rates. Probably stupid, but I've already done it. I'm now going to stop apping and garden as I have too many inq's on my reports. I really don't need any more credit for my income as a college student and I'm sure these two cards will grow with me.
12-02-2010 05:23 AM
9 total, and revolve 2 each month <3% util
12-02-2010 07:53 AM
I have 4 now. Just added Zync a month ago, and that's my primary. Then have a Cap1 with a $2500 limit - it's my oldest card at 6.5 years, and no AF so I'll probably keep it forever. Then Orchard ($500) and HSBC Best Buy MC ($400), both of which I will most certainly ditch when the time is right.
4-5 cards is my goal, so I'm slowly switching out my sub-prime cards for better rewards and CLs. Next app won't be till May or June...maybe Citi Forward?
12-02-2010 09:22 AM
10, 3 of which are store cards.
I'm getting ready (have been for a year, lol) to combine the limits on my USAA cards and close the AmEx, and I'd be willing to close another, but so far they're all filling one niche or another in my budget, so there's no really obvious candidate. My plain-Jane AmEx Blue might get replaced by the Costco True Earnings in an attempt to get some real rewards.
I have each one earmarked for a separate purpose (gas, groceries, purchase protection on big-ticket items, etc.) so I only use maybe four during any given month, depending on who's doing which rewards now.
Since I balance my checkbook every morning, I also review the dates on each card at that time to see who needs to be paid. This works out well for me, but you definitely have to stay on top of things!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.