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how many credit cards do you have??? do you think i have a lot of credit??

Established Member

how many credit cards do you have??? do you think i have a lot of credit??

 

My Credit

 

Bank of America - $342,200/Mortgage - $2,312.59/Includes Taxes and Insurance 

 

Mercedes-Benz Financial - 2013 Mercedes-Benz C250 4MATIC Coupe - $422.00/36 Month Lease

 

Credit Cards:

 

Home Depot/GreenSky - $30,000

Amex Gold - NPSL 

Chase Freedom - $12,500

Discover More - $10,000

Lowes - $10,000

Bloomingdales/Amex $10,000

Nordstrom Visa $10,000

CitiThankYou - $8,000

Home Depot/Citi Bank $7,500

P.C. Richards 6,000

Neiman Marcus: $5,000

Saks: $4,000.00 

Lord & Taylor $4,000.00

Victoria Secret: $2,500.00

Message 1 of 13
12 REPLIES
Senior Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??

Looks like some nice cards to match your life style, no I do not think you have too many cards, I probably have the same amount but much lower limits

Message 2 of 13
Established Member

Re: how many credit cards do you have??? do you think i have a lot of credit??

Thanks I am 33 and I I strated with very low limits when i was young. For example When I was 18 I opened a bloomingdales store credit card and recieved a 100 limit and about 13 years later never late , my card is upgraded to amex along with a 10,000 limit. i havent requested since 2 falls ago. I think its time again. 


john398 wrote:

Looks like some nice cards to match your life style, no I do not think you have too many cards, I probably have the same amount but much lower limits


 

Message 3 of 13
Highlighted
Senior Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??

I have 12 cards,   you hae 14 CC and I doubt you need much more than that.

Message 4 of 13
Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??

I have 7.  I'm going to close two (BoA + Chase), and combine two PFCU cards to wittle down to 4.  And keep those 4 for life.  (2 Penfed, 1 NFCU, 1 USAA)

 

I'm about done with the game.... 

Message 5 of 13
Moderator Emeritus

Re: how many credit cards do you have??? do you think i have a lot of credit??

I have the following:

 

Cap1 Venture Visa Signature - $6400 CL

Cap1 NHCR MC - $750 CL (my DD is AU on this account and is using it to build her credit and learn to manage a card)

BoA BankAmericard 1-2-3 Cash Rewards Visa Signature (UCF Alumni Association) - $5000 CL

Discover More - $2000 CL

Citi Diamond Preferred MC - $6800 CL

Wells Fargo Rewards Visa - $7000 CL

Dillard's Amex - $6400 CL

JC Penney's - $2800 CL

Kay Jewelers - $5100 CL

Amex Green - NPSL

 

If you have enough to meet your spending needs without bumping up against your limits, and you can juggle the cards without stressing over it, then you don't have too much credit. Congrats on your nice portfolio.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 6 of 13
Valued Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??

Yeah I have waaaaay to much! 15+ including business cards


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 7 of 13
Valued Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??

hmm nice what's your income look like? and the insurance on the car must be killer?

 

ill list mine. (mind you im 21 and besides 3 of these cards were all obtained in the last 6 months hence my gardening)

 

Car-2012 Camry Se- 290.55/36 Month Lease (with gap insurance) 

Cards

 

Citizens Bank-3 Cards=7500 5k,2k,500

Amex Zync

Chase Freedom-1000

Best Buy 2.5k (2 years old)

Macy's 3.5k(2 Years Old)

Walmart-5k

Ae-700

Kohl's-400 (1 Year old this month) 

 

planning on cutting the last two out and adding a costco te and or a bce/bcp

 

 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 13
Valued Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??

http://abcnews.go.com/GMA/WaterCooler/story?id=411883&page=1#.UOusavLNmSo

 

Walter Cavanagh had 1,497 credit cards in 2005, so you all have a little way to go.

Message 9 of 13
Valued Contributor

Re: how many credit cards do you have??? do you think i have a lot of credit??


bs6054 wrote:

http://abcnews.go.com/GMA/WaterCooler/story?id=411883&page=1#.UOusavLNmSo

 

Walter Cavanagh had 1,497 credit cards in 2005, so you all have a little way to go.


He has credit cards from gas stations, airlines, bars and even a Texas ice cream store. XD that's hilarious! Who would've thought?!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 10 of 13