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Frequent Contributor
Posts: 406
Registered: ‎03-19-2013

How many credit cards do you have?

I just want to see how many credit cards people have and what your current fico score is.

 

 

9 Cards

Fico 755

Valued Contributor
Posts: 2,320
Registered: ‎06-21-2014

Re: How many credit cards do you have?

[ Edited ]

 

 

9 Credit cards

Discover FICO TU 700 ( Will be going down since i apped for 5 cards )


My Cards: Amex BCE $3,000; Amex Everyday $12,000; Amazon Store Card $850; Amazon Visa $1,000; Chase Freedom $4,500; Chase Slate $5,000; Chase Sapphire Preferred $5,000; Chase Marriott: $5,000; Citi Thank you preferred $6,000; Citi Simplicity $4,000; Discover it $2,500, BestBuy Store card $2,000; Capital one QS $500; Bank Of america MLB rewards card $10,000; Capital one Playstation card $750; Barclay's NFL extra point card: $500
EX:717, TU:730, EQ: 704
Frequent Contributor
Posts: 272
Registered: ‎12-01-2012

Re: How many credit cards do you have?

[ Edited ]

JoshNurse wrote:

I just want to see how many credit cards people have and what your current fico score is.

 

 

9 Cards

Fico 755


9 Cards 

(Although I still want to REDUCE this amount by at least 2 cards - probably both of my Cap One cards. I don't want that many cards to try to keep active!)

FICO  790's

FICO Score 8: EQ 790 EX 777 TU 795 ***** FICO Bankcard Score 8: EQ 817 EX 804 ***** VantageScore 3.0: EQ 817 EX 794 TU 799
TOTAL CL (7 cards): $114.5K ***** INQUIRIES 2 yrs (1 yr): EQ 2(0) EX 7(2) TU 6(2) ***** UTILIZ: 1 % ***** GOAL: FICO Score 8: 800+

NASA FCU Rewards Visa 30K || Amex BCE 25K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K ||
CITI Diamond Preferred MC 9.5K || Discover it 8.5K ***** GARDENING since 9-26-2014 (I now have more than enough credit.)
Frequent Contributor
Posts: 406
Registered: ‎03-19-2013

Re: How many credit cards do you have?

[ Edited ]

I dont know if 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.

Frequent Contributor
Posts: 406
Registered: ‎03-19-2013

Re: How many credit cards do you have?

[ Edited ]

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.

Valued Contributor
Posts: 2,320
Registered: ‎06-21-2014

Re: How many credit cards do you have?


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 


My Cards: Amex BCE $3,000; Amex Everyday $12,000; Amazon Store Card $850; Amazon Visa $1,000; Chase Freedom $4,500; Chase Slate $5,000; Chase Sapphire Preferred $5,000; Chase Marriott: $5,000; Citi Thank you preferred $6,000; Citi Simplicity $4,000; Discover it $2,500, BestBuy Store card $2,000; Capital one QS $500; Bank Of america MLB rewards card $10,000; Capital one Playstation card $750; Barclay's NFL extra point card: $500
EX:717, TU:730, EQ: 704
Regular Contributor
Posts: 253
Registered: ‎06-12-2014

Re: How many credit cards do you have?

Just three for now.. I've still got my eye on that Sallie Mae MC and the new Sam's MC but I need to stay strong with the garden until at least March.
USAA Scores (Inq): TU: 716(6)   EX: 716(5)   EQ: 716(8)
Discover IT Student - $500  Chase Freedom - $500  Amex Blue Cash Everyday - $1000  Sallie Mae Platinum- $500
AU: Freedom $4.5k, CSP $6.5k
Frequent Contributor
Posts: 406
Registered: ‎03-19-2013

Re: How many credit cards do you have?

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 :smileyindifferent:

 

Frequent Contributor
Posts: 403
Registered: ‎06-12-2011

Re: How many credit cards do you have?

[ Edited ]

6 + 2 retail.  756 Transunion through Barclays.

BofA Cash Rewards 16,000 (2009) | Citi Forward 8700 (2011) | Cap1 Quicksilver 17,500 (2013) | Discover It 5000 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO: 765 Discover/Barclays TU, 774 Citi Equifax
Goal: 800+
Frequent Contributor
Posts: 403
Registered: ‎06-12-2011

Re: How many credit cards do you have?


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 :smileyindifferent:

 


I wouldn't follow Credit Karma advice.  I think they're basically looking at how people with good credit have a lot of accounts - but that's just because people with longer histories probably have more accounts, not BECAUSE they have more accounts.

 

BofA Cash Rewards 16,000 (2009) | Citi Forward 8700 (2011) | Cap1 Quicksilver 17,500 (2013) | Discover It 5000 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO: 765 Discover/Barclays TU, 774 Citi Equifax
Goal: 800+

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