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Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
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Re: How many credit cards

cheddar wrote:

FretlessMayhem wrote:

cobra19 wrote:
9................(3) Amex,  (2) MC, (2) Visa, 1 store card, 1 gas card.
I don' think there is a magic number when it comes to having too many card.  Back in 1998, when I purchased my house, I had 31 cc's. Lawyer advised me to close a few. But, having 31 cards didn't hurt me then.  

31? Holy crap. And I thought I had a lot.

I predict that will be me in about 3 years, at this rate.

LOL - when I was 21 I had something like 17.  Insane.  They all had balances (think using the Amoco card to buy groceries).  I had WAY too many store cards.  But, oh was I proud of that 5k First USA Visa -- that went into collections and make its way to 10k before I finally dealt with it.
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Regular Contributor
Posts: 177
Registered: ‎04-28-2008
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Re: How many credit cards

i have 4 revolving accts now.  cap1, orchard, discover, and hsbc acct that i opened to finance my laptop through gateway. the last one will probably never be used again.
2 was good for me for a while.  but i realize if one little thing is new on my report it throws my score off quite a bit because i don't have a lot of accts.  Just got the discover and will probably wait to apply for a chase or amex til next year.  then i'll be done. Smiley Happy
03/2009 - TU: 679 EQ: 670 EX: 670
7/2 - TU: 666 EX: 668 EQ: 673

"If at first you don't succeed...skydiving isn't for you."
Epic Contributor
Posts: 29,432
Registered: ‎10-23-2007
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Re: How many credit cards

27-30 Personal
29 Business
Smiley Surprised
Regular Contributor
Posts: 124
Registered: ‎05-21-2008
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Re: How many credit cards

[ Edited ]
I currently have 5
macys - store
bloomingdales - store
I may receive more?  I sent some recon letters for a few that I was denied for but I havnt applied for anything else since checking into the center.

Message Edited by msheresy on 06-30-2008 04:09 PM
Established Member
Posts: 44
Registered: ‎06-30-2008
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Re: How many credit cards

I have 9 and I'm tired of all of them.
*****I broke my paddle beating Crap One over the head with it! ******
Established Member
Posts: 44
Registered: ‎06-30-2008
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Re: How many credit cards

Well make that 10. I forgot about Crap One!
*****I broke my paddle beating Crap One over the head with it! ******
Frequent Contributor
Posts: 371
Registered: ‎12-28-2007
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Re: How many credit cards

5 (3 CU) (1 BoA) and just acquired Chast Continental.
05/12: approx 680 across the board
04/08 EQ: 730 TU: 748 EX: 718
03/08: EQ: 713 TU: ? EX: ?
12/07: EQ: 689 TU: 711 EX: 721
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: How many credit cards

Was 5.

Now 12.

In the process of be pruning down to probably 8:

3 CU CC's
3 bank CC's
1 store card
1 AU card (for the long history)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: How many credit cards

I have 7 open revolving accounts:
7 cards
Amex Blue
Chase Visa
Discover Motiva
FIA Visa
First Hawaiian Visa
Macy's Gold
1 line of credit
BoA unsecured
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Valued Member
Posts: 33
Registered: ‎07-07-2007
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Re: How many credit cards

I have one Orchard bank card, had a chase but they decided to close it on me....going to apply for an amex blue and maybe a discover in the next few weeks after this round of disputes comes back...what are other good cards to apply for? My experian score is now 736....TIA nate.
MyFico l Equi - 784 l Exp - 752 l Trans - 786

[as of 7/13/2008]

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