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Frequent Contributor
Roarmeister
Posts: 325
Registered: ‎04-21-2012
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Re: How many credit cards did you have in college?

0

 

zero

 

zip

 

nada

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
____$25k_______$20k_______$20k_______$25k_______$25k____
Starting Score: 676 Feb 2008; Current Score: 782 EQ, 814 TU, August 2014; Goal Score: 800 by end of year
Oldest Account reported by EQ: 12 years; EQ AAoA: 5.4 years; EQ Credit Utilization: 4.3%
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CredittotheMax
Posts: 270
Registered: ‎01-01-2013
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Re: How many credit cards did you have in college?

Im currently in college and my highest was 7 cards

$3.5k$4.5k$2k$4k$2k

FICO = EQ: 729 (6/13) TU:744 (12/27) EX: ?
Member
thecheese
Posts: 20
Registered: ‎11-14-2013
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Re: How many credit cards did you have in college?

1 card, a Wells Fargo Platinum. I had previously opened up a student checking account at a branch with my dad. I don't remember the exact circumstances of opening the card itself, but I rarely used it aside from a couple large purchases. It got 1 or two auto-CLI's up to $4,100. I didn't fully comprehend the importance of it at the time but I kept its 10 year history pristine. My parents, who went through a bankruptcy, constantly told me that one late payment would be the end of the world (slightly exagerated on my part), but I'm thankful for that exageration since I've kept the WF and my subsequent cards 100% late-free in the 10 years since.

Established Contributor
chwebb1
Posts: 508
Registered: ‎10-11-2013
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Re: How many credit cards did you have in college?

I am a graduate student and I have 5. Before I graduated with my undergrad, I had two (and only used one). Shortly after I graduated, I added 2 more. And at the beginning of the semester, I added two more. I have canceled two, and I'd love to get back down to 4 (probably cancel the BB&T card) if Barclays auto-CLIs me in 5 days. Oh Barclays, please give me all the auto-luv. :smileyhappy:

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In the Garden until at least January 2015 (hopefully).
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Gatortrout
Posts: 124
Registered: ‎08-17-2013
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Re: How many credit cards did you have in college?

I had 1 credit card in college. Capital One.
Established Contributor
andre181
Posts: 624
Registered: ‎07-29-2010
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Re: How many credit cards did you have in college?

See my sig. All of them were obtained while I was in school. I'm 24, been out of college since May.

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Regular Contributor
heyitsyeh
Posts: 209
Registered: ‎09-12-2013
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Re: How many credit cards did you have in college?

^ Amazing profile at that age, I can do without so many TL's, but my only regret is not getting an Amex earlier. (Apping for my first soon to secure 2013)

PR Gold Amex - NPSL
Sallie Mae World MasterCard - $3.5k
Chase Freedom Visa Signature - $10.2k
Discover It - $11.5k
Barclaycard Arrival World MasterCard - $14k
Fidelity Amex - $15k
Valued Member
WuXing5
Posts: 49
Registered: ‎05-07-2012
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Re: How many credit cards did you have in college?


andre181 wrote:

See my sig. All of them were obtained while I was in school. I'm 24, been out of college since May.


+1 except im a few years younger than you and still in college :smileysurprised:

2015 Goals: No App's, TL, HP, SP CLI, One % Util Report Each Month// AAoA ++, Score +++, All Expenses on FIA. 300K CL
Established Contributor
Brusilov
Posts: 601
Registered: ‎01-04-2009
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Re: How many credit cards did you have in college?

I had 2 and it proved to be too much.  :smileywink:

                    
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Garden Since: 9.25.2013
Established Member
kogama
Posts: 60
Registered: ‎08-03-2013
0

Re: How many credit cards did you have in college?

[ Edited ]

Ok so I am glad that this topic turned out to be popular! 

 

I need some advice from you guys and girls who have credit for a long time now. Here is my problem. I originally got one or two credit cards early on in college to build up my credit and used them responsibly. Got some increases etc, didn't care about the bonus/0% APR because I was paying everything on time and only put on what I could afford. Then it turned out I got denied financial aid and my parents are worse off than I am financially so asking them is out of the question.....solution for a full time college student with a part time job....

 

lets just say I am going into my second semester of junior year and have 9 credit cards.  I really needed the 0% APR to pay ridiculous tuition off and my question is:

 

 

Is making small purchases every now and then on each of the credit cards enough to stop a bank from wanting to close your account for "inactivity"?

 

Cards:

 

Chase Slate / Sapphire / Freedom

Citi Forward

AmEx BCE

Barclay Upromise

Amazon Store Card (The Paper one)

Discover It

Capital One Quiksilver

 

 

Also is the barclay FICO score for transunion accurate?

 

Supposedly it is 756, and according to chase freedom approval wherever they get theirs from it is 726 with EX or EQ

Fico - 764, 755, 750, CS - 757, CK - 719, Credit.com - 760


My cards: AmEx BCE, Chase Slate, Chase Sapphire, Chase Freedom, Citi Forward, Citi Dividend, Discover it, amazon store card, Cap one Quiksilver, Upromise MC, AmEx Everyday, Amex Hilton HHonors and more I can't remember

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