My credit cards (CC) and personal lines of credit (PLOC)

[youdontkillmoney]

Credit cards:

1. IberiaBank Visa Platinum Rewards

2. Barclays Arrival World MasterCard

3. Black card - $495 fee

4. Diners Club Carte Blanche MasterCard, professional card - $300 fee

5. Capital one cash rewards

6. Capital One quicksilver (was HSBC before Cap One bought them out)

7. Discover

8. JCB Standard

9. Juniper biz card

10. HSBC

11. Amex Platinum ($450 fee + $176 for up to 3 auth user cards for $625 total fee) -- THIS IS IN MY EVERYDAY WALLET

12. Amex business platinum card

13. Bank of America Visa

14. Merrill + Visa

15. Citi MasterCard

16. Citi Black Diamond

17. Citi Prestige - $450 fee - THIS IS IN MY EVERYDAY WALLET

18. Wells Fargo visa

19. US Bank Visa

20. LA Financial credit union visa

21. PenFed Promise Visa

22. Chase Freedom visa

$297,560 TOTAL CREDIT LINE

PLOCs:

1. Wells fargo line of credit- $25 fee

2. LA Financial credit union line of credit

3. PenFed line of credit

4. US Bank premier line of credit

5. Citbank line of credit, $50 fee but waived if line used once a year

$46,200 TOTAL LINE OF CREDIT

Credit card on wish list:

Only one . . . . . Simmons First National Bank (applied, rejected, recon, rejected in 2014. will garden and try again mid to late 2015).

[Anonymous]

That's a lot of AF to be paying

[Anonymous]

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@Anonymous wrote:

That's a lot of AF to be paying

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Especially for that Icky "Black Card"

The ultimate poser of Premium cards if there was ever one.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

That's a lot of AF to be paying

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Especially for that Icky "Black Card"

The ultimate poser of Premium cards if there was ever one.

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Agreed.  Such a waste.

[09Lexie]

OP has every right to choose the card which benefits he/she. The comments posted thus far are not within the standards of being friendly,  supportive or respective. 

Let's remember to be respectful in your comments, as to not violate myfico's TOS and User Guidelines.

Lexie, myFICO Moderator

[Anonymous]

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@09Lexie wrote:

OP has every right to choose the card which benefits he/she. The comments posted thus far are not within the standards of being friendly,  supportive or respective. 

Let's remember to be respectful in your comments, as to not violate myfico's TOS and User Guidelines.

Lexie, myFICO Moderator

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Indeed they do.

At no point did i personally disrespect the OP, Who has done a fantastic job acquiring such a large credit portfolio. Good job!

Only the card itself, which in itself is a glorified and overpriced Arrival+ with a couple of extra goodies to not make it seem like such a ripoff.

This is merely MY opinion of the card.

[FinStar]

If the OP enjoys his/her array of CCs (and any associated fees that come with some of them) who cares.  If he/she has the income to support having them, well that's his/her personal choice.  While some may not see value in some specific products, there may be some folks who do.  Different strokes for different folks.

[corymcd88]

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@Anonymous wrote:

That's a lot of AF to be paying

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Yep, and I was complaining of paying $150.00 a year in AF. LOL

[Gollum]

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@youdontkillmoney wrote:

Credit cards:

1. IberiaBank Visa Platinum Rewards

2. Barclays Arrival World MasterCard

3. Black card - $495 fee

4. Diners Club Carte Blanche MasterCard, professional card - $300 fee

5. Capital one cash rewards

6. Capital One quicksilver (was HSBC before Cap One bought them out)

7. Discover

8. JCB Standard

9. Juniper biz card

10. HSBC

11. Amex Platinum ($450 fee + $176 for up to 3 auth user cards for $625 total fee)

12. Amex business platinum card

13. Bank of America Visa

14. Merrill + Visa

15. Citi MasterCard

16. Citi Black Diamond

17. Citi Prestige - $450 fee

18. Wells Fargo visa

19. US Bank Visa

20. LA Financial credit union visa

21. PenFed Promise Visa

22. Chase Freedom visa

$297,560 TOTAL CREDIT LINE

PLOCs:

1. Wells fargo line of credit- $25 fee

2. LA Financial credit union line of credit

3. PenFed line of credit

4. US Bank premier line of credit

5. Citbank line of credit, $50 fee but waived if line used once a year

$46,200 TOTAL LINE OF CREDIT

Credit card on wish list:

Only one . . . . . Simmons First National Bank (applied, rejected, recon, rejected in 2014. will garden and try again mid to late 2015).

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I don't think it matters how much you "garden."  I think Simmons First is going to say you have too much available credit every time you apply until you do not have too much available credit, in their opinion.

[youdontkillmoney]

Thanks everyone for the comments, support.

I am not the least offended by any of the comments so no worries.

I purposely listed all cards and lines with no additional information so the comments would be open ended, whatever comes to mind to the reader to reply.

Interesting thoughts.

For some time I have been toying with the idea of cancelling annual fee credit cards. Especially cutting the visa black card since after having it for a while I have not seen the value in it. Same with Diners. These two may be cancelled this year, more so visa black than diners carte blanche though.

I am willing to keep amex plat and citi prestige since I find value in their $200 credit each for airline related fees and other travel perks.