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11-28-2012 06:16 AM
11-28-2012 06:33 AM
11-28-2012 06:36 AM
11-28-2012 06:56 AM
Hahahaa! Nooo!! Jeez? 17! Lol haha. I only use 5-6 of them. My util is <10%. I mostly pif btw :-p. Most of those cards have $0 bal. I think it may be bc I put myself on the "opt out" list back in '07 when my credit journey began! And only recently opted back in...I guess I do have some pretty good deals lol... I have enough 0% cred to last a lifetime, though I don't use it. Lollllzz
lol quality over quantity my friend, but regardless of your utility a lot of companies don't like excessive amount of cards, i opted back in 2 weeks ago and already recieved 5 pre-approvals from Discover lol
11-28-2012 07:40 AM
Once you opt back in, it can take a few months to start getting preapprovals. I probably have more cards than the OP, and I get them on a regular basis ( BOA, at least 2-3 per month, Fifth Third Bank, Nationwide Bank, etc.) I opted back in in June, didn't start getting pre-approvals until maybe August-Sept. I get them a couple times a week.
11-28-2012 07:11 PM
How do I opt in? Never knew I could opt out.
same way as opting out, but in reverse
11-28-2012 07:20 PM
Having to much credit can be a bad thing. Even if you don't use most of them.
Lenders look at it as you rely too much on credit and therefore are more risky than someone who has less credit.
But to your question, it may just take awhile for you to start getting them again (that is if your 17 plus cards hasn't scared them away lol) just like it takes awhile to stop getting them when you opt out.
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