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You can only have 3 cards. What do you keep?

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Anonymous
Not applicable

You can only have 3 cards. What do you keep?

I use three because that's the ideal number of cards for credit score worthiness according to some.  

 

So, what say you?

 

I have three now, but two are 'store' cards (if you want to call Care Credit a store card).  I'm shooting for Barclay Rewards, and maybe Chase Sapphire Preferred or Amex BCP down the road. 

Message 1 of 52
51 REPLIES 51
mongstradamus
Super Contributor

Re: You can only have 3 cards. What do you keep?


@Anonymous wrote:

I use three because that's the ideal number of cards for credit score worthiness according to some.  

 

So, what say you?

 

I have three now, but two are 'store' cards (if you want to call Care Credit a store card).  I'm shooting for Barclay Rewards, and maybe Chase Sapphire Preferred or Amex BCP down the road. 


I would keep CSP to pair with freedom definately , As far as BCP goes not that big of an fan of that card when there are no af cards that are better



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 52
GetTheFico
Regular Contributor

Re: You can only have 3 cards. What do you keep?

For me: Barclay Sallie Mae, NFCU CashRewards, and Chase IHG

EQ: 780
EX: 767
TU: 779
Message 3 of 52
CreditMENA
New Contributor

Re: You can only have 3 cards. What do you keep?

1. CSP

2. Freedom

3. ...reserved for future use Smiley Happy

Message 4 of 52
Imperfectfuture
Super Contributor

Re: You can only have 3 cards. What do you keep?

But I want to add business cards that don't report to personal, so I have flexibility,
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Message 5 of 52
Anonymous
Not applicable

Re: You can only have 3 cards. What do you keep?

Freedom and CSP are the two definites for me.  I'd also want another card that's widely accepted, doesn't have an AF (or at least has benefits that are worth the AF) and has great rewards.  Amex would make a nice third choice, but couldn't tell you which, BCP is the favorite on account of groceries, but yeah, that annual fee.   

 

One card for 5% cash back (Freedom), one card for Dining and Travel (CSP) and one card for my major categories, gas and groceries (Sallie Mae or BCP or a similar No-AF version).

Message 6 of 52
celluloid17
Established Contributor

Re: You can only have 3 cards. What do you keep?

I feel like this is changing for me all the time...but as of now:

 

1. Sallie Mae 

2. Citi Double Cash

 

3. US Bank Cash + (I could have easily selected Chase Freedom over this given the annual nerfing of Cash +)

 

 

 

 

Message 7 of 52
lord_kinbote
Established Contributor

Re: You can only have 3 cards. What do you keep?

CSP, Citi DC and Freedom.
Message 8 of 52
ddemari
Super Contributor

Re: You can only have 3 cards. What do you keep?

Quicksilver visa, Boa Cash Rewards Visa, and Chase Ritz Visa.
Message 9 of 52
thelethargicage
Valued Contributor

Re: You can only have 3 cards. What do you keep?

Sallie Mae
Quicksilver
It


Message 10 of 52
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