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Frequent Contributor
Posts: 489
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: 3,404
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: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Frequent Contributor
Posts: 290
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 813 EX 809 TU 815 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 823 EX 818 TU 820
TOTAL CL (6 cards): $118.9K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 1(0) **** 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 12.4K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Frequent Contributor
Posts: 489
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: 489
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: 3,404
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: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Frequent Contributor
Posts: 315
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.
Venture - $10,000Quicksilver - $5,500Platinum - $4,500Sallie Mae Platinum- $3,400Amex Blue Cash Everyday - $3,000Chase Freedom - $2,000VS - $1,550”Discover IT Student - $750
Frequent Contributor
Posts: 489
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 Smiley Indifferent

 

Frequent Contributor
Posts: 440
Registered: ‎06-12-2011

Re: How many credit cards do you have?

[ Edited ]

6 + 2 retail.  756 Transunion through Barclays.

BofA Cash Rewards 25,000 (2009) | Citi Forward 25,000 (2011) | Cap1 Quicksilver 19,500 (2013) | Discover It 11,750 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 20,000 (2014)

FICO: 807 Discover/Barclays/BofA TU, 830 Citi Equifax
Frequent Contributor
Posts: 440
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 Smiley Indifferent

 


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 25,000 (2009) | Citi Forward 25,000 (2011) | Cap1 Quicksilver 19,500 (2013) | Discover It 11,750 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 20,000 (2014)

FICO: 807 Discover/Barclays/BofA TU, 830 Citi Equifax

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