Credit Card Center Advertiser Disclosure

Posts: 84
Registered: ‎04-11-2007
0 Kudos

Re: How many cards do you carry daily?

[ Edited ]

I carry my debit card and 1 credit card from my credit union with $0 balance and a $7,600 limit to cover any emergencies. The other cards remain at home.

Frequent Contributor
Posts: 355
Registered: ‎04-21-2012
0 Kudos

Re: How many cards do you carry daily?

2 credit cards, 1 business credit card, 1 debit card, and of course... my library card!  Don't leave home without it.


The other 3 CCs sit at home.  I use them for online purchases.

Starting Score: 732 October 2007; Current Score: EQ 835; TU 806, May 2017;
Oldest Reporting Account: 15.3 years; EQ AAoA: 7.2 years; typical credit utilization 1.2% typical single card utilization 8.3%
Posts: 130
Registered: ‎11-26-2012
0 Kudos

Re: How many cards do you carry daily?

All of them, but probably about time to SD the Delta card.  Not much point in using it unless I'm taking a flight that day since all MR points can be transferred to Skymiles anyway.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012
0 Kudos

Re: How many cards do you carry daily?

Just my Amex green in which I try to do all my spending and my Chase slate as a backup for when amex is not accepted. Oh and my debit card which never gets used.

CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0 Kudos

Re: How many cards do you carry daily?

Dustink wrote:

CreditScholar wrote:
I currently carry all of the ones listed in my signature, but I may be closing my BofA card soon. I simply don't use it, and dealing with BofA is painful when compared to Chase or JPM.

I would recommend leaving open something other than a Chase card. If something happened between you and Chase, you would be without a card. I think it would be a good idea to have a couple other cards from different issuers just in case.

I've been contemplating this as well, although the choices available to me are fairly limited. I'd be looking for another travel card with an AF of $100 or less. I don't need another comprehensive card like my United Club or JPM Ritz. Any ideas? If I can't find anything better than I may just leave BofA open, but I just dread having to call them for anything. They've been a huge hassle to deal with this Christmas. I can't even begin to count how many times they've screwed up.
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
Valued Contributor
Posts: 2,140
Registered: ‎03-30-2012
0 Kudos

Re: How many cards do you carry daily?

I currently carry:


In the actual slots:


Capital One Platinum Secured MasterCard

Capital One Platinum fka Household Bank MasterCard

First Savings MasterCard

AMEX Business Rewards Gold that my company gave me (They had me carry a SimplyCash Business card before but they swapped me to this one recently)

Bank of America Human Rights Campaign Visa Debit


My wallet has a couple pockets behind the slots, so I stash a couple cards in those too, usually ones I don't use often.


There I have:


Express NEXT Credit Card, usually with a coupon folded around it

CreditOne "Platinum" Visa




Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Established Contributor
Posts: 553
Registered: ‎12-07-2012
0 Kudos

Re: How many cards do you carry daily?

All in sig except, Chevron Visa, Walmart, CapOne Newcomers, and Zync.

Amex BCE $10,000 | BofA Power Rewards WMC $10,000 | Discover It $10,000 | ICBC Preferred Gold UnionPay $8,000 | Local CU Visa $3,500
Established Member
Posts: 19
Registered: ‎12-01-2011
0 Kudos

Re: How many cards do you carry daily?

3 - USBank Cash+ (most purchases), Debit Card, Business AMEX

Starting Score: eq-757 tu-713 (nov 2011)
Current Score: ex-850 eq-836 tu-844
Goal : maintain

Take the FICO Fitness Challenge
Regular Contributor
Posts: 119
Registered: ‎12-29-2008
0 Kudos

Re: How many cards do you carry daily?

Discover It (workhorse, bonus categories, shop discover)

Chase Freedom (rotating categories aka gas right now)

Amex Zync (just occupying space this quarter)


Just SD'd the Amex Green since i never swipe it. use it for auto pay on bills and such. 

Current EQ:719 EX: 701 TU:713

Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/25k | Chase Freedom/2.2K | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/13K | Ink Business Preferred/13K
Frequent Contributor
Posts: 299
Registered: ‎06-05-2011
0 Kudos

Re: How many cards do you carry daily?

I carry 4 cards.


Debit Card

Discover IT

NFCU CashRewards

Citi Dividend


Although I am thinking about taking the Citi card out of my wallet and putting my Student ID back in.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

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

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