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New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013
0

What do you think? too much?

[ Edited ]

I always read the fourms but this is my first post I am 23 is this to much for my age? What do you think? I get excited and apply lol

 

Discover More/Now IT - 1700

R/Walmart - 1500

Sams Club - 1500

Cap 1 - 500

Cap 1 - 750

Amazon store card - 500

hsbc/Cap - 400

Best Buy - 750

Toyrus - 500

Macys - 1300

JCP - 700

lowes - 300 :smileysad:

Home Depot - 1450

Kay/j - 4000

Target - 200

La curacao - 3000

Fingerhut - 400

Childrens place - 700

Victoria secret 500 < Girlfriend made me lol

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: What do you think? too much?

[ Edited ]

Welcome to the forum.

 

I would start thinning out the low limit cards from places you don't shop often.

 

You should focus on getting some good cards from banks that bear a logo allowing you to use them elsewhere.

 

Having so many store cards is pretty pointless.

 

You will get better rewards with a few good bank cards.

 

Chase, AMEX, and US Bank in my opinion offer some of the best cards. 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
E150GT
Posts: 371
Registered: ‎12-30-2012
0

Re: What do you think? too much?

Thats quite a bit. 


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
0

Re: What do you think? too much?


Dustink wrote:

I would start thinning out the low limit cards from places you don't shop often.

 

You should focus on getting some good cards from banks that bear a logo allowing you to use them elsewhere.

 

Having so many store cards is pretty pointless.

 

You will get better rewards with a few good bank cards.

 

Chase, AMEX, and US Bank in my opinion offer some of the best cards. 


+1 and the store cards you have you can try for CLIs ....time to thin out the heard

ccpics2.jpg
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013
0

Re: What do you think? Too much?

Chase denies me all the time, us bank I haven't tried I will keep it in mind thanks Amex I feel intimidated when I go to there site LOL

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: What do you think? Too much?

Most banks will decline you. You have a bunch of low limit cards which likely means you have a bunch of INQs on your credit report.

 

You need to get rid of the cards you don't need. Try for soft pull CLI's on the others. Wait several months and then try for some prime cards.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013
0

Re: What do you think? too much?

i've tried and no luck only sams club i had them match with my walmart. Ive recently paid down so i will try again in a month or so but thanks for the advice

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600
Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
0

Re: What do you think? Too much?

What are your scores? inq in the last 12 months?

ccpics2.jpg
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: What do you think? Too much?

I understand it is hard to avoid apping. I am 21 and have too many cards as well. Avoiding the store card apping will be good. Make some goals and work towards some non store credit cards.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
New Member
scottinla21
Posts: 20
Registered: ‎01-06-2013
0

Re: What do you think? Too much?

all are mid 600's Inqs you dont wanna know lol ex 8 eq 9 and trans 11

Discover More/Now IT - 1700 R/Walmart - 1500 Sams Club - 1500 Cap 1 - 1000 Cap 1 - 750 Amazon store card - 500 hsbc/Cap - 400 Best Buy - 750 Toyrus - 500 Macys - 1300 JCP - 700 lowes - 300 :smileysad: Home Depot - 1450 Kay/j - 4000 Target - 200 La Cuarao - 3000 Fingerhut - 400 Childrens place - 700 Victoria secret 500 - Paypalsmart - 600

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