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Only 2 cards, which makes me an amateur on these forums, haha. I have my eye on three more though, but five sounds like a lot to me (even though it would still make me a noob compared to other's here).
last fico as of about 9 months ago was 783
@Closingracer99 wrote:
@JoshNurse wrote:I have no idea of this is a good idea or not but I want to reach 20 credit cards.
The way I think about it is in 2 years all those hard pulls will be off. Thats the time when my car lease is also up.
I am trying to think of 2 years from now and being able to garden for years.
Hmm I think i heard from somewhere to many Credit cards can hurt your score ( I didn't hear it from here but somewhere else) Though i can be wrong
On thin files (just starting a credit profile), this is true but thicker files it is not true.
The impact of new inq's/TLs on a low AAOA can hurt a score but in time, they will recover.
@JoshNurse wrote:I just want to see how many credit cards people have and what your current fico score is.
9 Cards
Fico 755
Around 12... not counting departments stores or credit line (ie. Dell Financial Service, etc). Current score is 754 (EQ).
@JoshNurse wrote:
Thanks 09Lexie. I am looking towards the future. 2 years from now.
Should I stop at 15 cards or 20?
That's a personal decision. Think quality, not quantity.
Spoken from from someone who has an excess of 30 cc's.
I have too many for my personal comfort level.
I have 9 credit cards and 1 store card. Next week I'm closing one of my credit cards. I'd really like to close more, but I'm debating on which ones I can close so that there's minimal impact to my scores. I've done a card ranking and I would be comfortable keeping open my top 6 - I don't really want to juggle more than that.
My current Fico score according to Discover (TU) is 782.
10 with the new approvals including 1 biz card and 1 store card. Ex fico 708.
24 cards scores are in the 780s. Will probably trim down to 18 by the end of the year.
@JoshNurse wrote:I just want to see how many credit cards people have and what your current fico score is.
9 Cards
Fico 755
2 on my own, a 3rd as an AU.(hubby and I added eachother to one of our cards) My Experian fico (actual myfico experian) is 804, My credit Karma is 755
@SomeGuyNamedFred wrote:Only 2 cards, which makes me an amateur on these forums, haha. I have my eye on three more though, but five sounds like a lot to me (even though it would still make me a noob compared to other's here).
last fico as of about 9 months ago was 783
Thank God! I was beginning to think I was one of the very few with a tiny amount of cards and a decent score! It seems to be rare around here