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Established Contributor
Posts: 557
Registered: ‎04-05-2013

Re: Too many cards?

amz1121 wrote:

I was wondering if there is such a thing as too many credit cards? I have struggled the past couple years with obtaining any kind of credit card, I recieved my first secureced card in 2011 and have been building my credit ever since.  Now I have 5 credit cards and 2 store cards and I am wondering if this is too much? 


My current cards are as follows:

Capital One Secured with a $500 limit

Capital One Jouney with a $500 limit

Gesa CU Card with a $500 limit

Barclays card with $1350 limit

BECU card with a $1500 limit


Fingerhut/Web Bank with a $500 limit

Amazon Store Card with a $400 limit


Now I know these limits are very small and I'd like to increase them but I want to get a higher limit on my BECU card as it is the lowest APR and only carry a balance on that but will having this many cards hurt my chances of obtainin a higher limit? Any suggestions?


Thanks in advance!

I respect Nixon's opinion.

If it was me, I would not close any of these accounts.

If you feel that's too much credit then, excute Nixon's sugestion.

Valued Contributor
Posts: 1,532
Registered: ‎05-11-2014

Re: Too many cards?

kdm31091 wrote:

This is discussed almost every week and the answer is always pretty much the same. It depends on your wants, needs, goals, and spend. For "good score" purposes most people suggest you shouldn't have less than 3 cards, but if you are not into the whole "reward chasing" and such, having 3 and no more is totally fine in the scoring respect.


I could never have above 6 and even that is pushing the limit for me. My spend isn't high enough to justify it. If you have lowish to moderate spend, you'll find yourself with $10 in rewards across several cards for quite awhile. The more your income and spending is, the more you will reap the benefits of an increased number of cards.



I'd rather have a lot of rewards on two cards (about $50 right now between the two) than $5 on 10 different cards. For me, two cards is fine (although I am planning on my third at the end of this year/early 2016). But for huge spenders, more cards *might* make sense (all depends on the person; my parents have 6 figures income, are huge spenders and only recently got a third bank card). 

Quicksilver $10,000 | Better Balance Rewards $2000 | Sallie Mae $3500 | Freedom $3500

Last HP: 9/27/2015
Valued Contributor
Posts: 1,556
Registered: ‎02-08-2015
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Re: Too many cards?

You don't have that many cards. I count less than 10 and some models show less than 10 cards a poor risk. Your file just needs time.


Ask Credit Addict about having too many cards with 79 of them. Smiley Happy

Fico Scores 11/14/16: EX 735,EQ 713,TU 690

Citi Costco$15,000/BBVA Am Ex $7000/Am Ex BCE $24,000/Macy's Am Ex $6000/ Macy's $6800,LL Bean Visa$3400/Citi DP $4100/Citi DC $4400/Bloom AmEx$7000, Bloom $7300,TotalRewardsVisa $2000 Blispay $7500,Cabelas Visa $7000/Discover $1800/ Quicksilver $4300/ J Crew $6600/Dillard's $1600/Barney's $24,000/Care Credit $5000/Stash Visa $6000 JCP $2300 Hyatt Visa $10,000, Deer Valley CU Visa $3000 and$1000 Sync Home $6500, Wells comm$4700, Saks2000
Valued Contributor
Posts: 1,902
Registered: ‎08-24-2013
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Re: Too many cards?


Ron1 beats out CreditAddict. Lol
Valued Contributor
Posts: 2,100
Registered: ‎01-05-2010
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Re: Too many cards?

Super Contributor
Posts: 17,202
Registered: ‎09-27-2014
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Re: Too many cards?

EX FICO  26 INQ  761
EQ FICO  10 INQ  756
TU FICO  12 INQ  770
Total CL$340,00033 TL
Regular Contributor
Posts: 199
Registered: ‎02-19-2008
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Re: Too many cards?

my-own-fico wrote:

1498 cards are too many. Smiley Tongue



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