@JoshNurse wrote:It shows as having a low impact but I have a low score on the amount of accounts I have opened.
If I can open about 10 more cards I can reach the 22+ with my future mortgage loan.
I am not sure what to do
Yea.. I would ignore that 
6 cards. Fico around 760 across the board.
@JoshNurse wrote:It shows as having a low impact but I have a low score on the amount of accounts I have opened.
If I can open about 10 more cards I can reach the 22+ with my future mortgage loan.
I am not sure what to do
I don't think it is wise to base your CR on what credt karma tells you to do.
Why do you want so many CC is it that you think somehow you will get a higher score? Why do you think you will get approved for al those cards anyway it is not as simple as just a credit score. Take Barclay's they are inq sensitive.
I have 6 cards. Citi WEMC 40k cl CSP/Freedom each with 19.4 cl a USAA MC 25k, Amex EDP 21k and PRG. Just closed Citi TYP 25k cl and USAA amex 25k CL.
Score 771
@ezdoesit wrote:
@JoshNurse wrote:It shows as having a low impact but I have a low score on the amount of accounts I have opened.
If I can open about 10 more cards I can reach the 22+ with my future mortgage loan.
I am not sure what to do
I don't think it is wise to base your CR on what credt karma tells you to do.
Why do you want so many CC is it that you think somehow you will get a higher score? Why do you think you will get approved for al those cards anyway it is not as simple as just a credit score. Take Barclay's they are inq sensitive.
I have 6 cards. Citi WEMC 40k cl CSP/Freedom each with 19.4 cl a USAA MC 25k, Amex EDP 21k and PRG. Just closed Citi TYP 25k cl and USAA amex 25k CL.
Score 771
I use Credit karma only for loose reference of my Credit nothing to take to serious. It does tell my my utilization right on there which is nice
@JoshNurse wrote:What I do is put very small fees on each card. For example one for netflix, one for hulu, one for my web hosting fees etc.. I can probably use about 4 cards and the rest completly automated in terms of paying them and charging them.
Is this even a good idea? I see you have a much higer score than me Transmogrifying_Bee.
In the LONGER term, I don't think having too many cards will hurt your credit score. SHORTER term, you're probably going to hurt this score by racking up too many inquiries, depending on how fast you app'd. Also, your AAoA may take a hit initially.
In MY case, I just don't want that many cards in my cc portfolio, especially store cards. I'd rather funnel my spending through fewer cards than try to keep every cc company "happy" with an occasional purchase. I may miss out on the higher sale discounts a store card may offer, but that's okay for me. Now, if you're younger and just starting out with a house, etc., I can see the benefits of, say, a Lowe's card (or such) which may extend you higher CL's and favorable payment terms. As they say, YMMV . . . !
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