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Frequent Contributor
JoshNurse
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


Established Contributor
Closingracer99
Posts: 2,130
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 $4,000; Amazon Store Card $850; Amazon Visa $1,000; Chase Freedom $4,500; Chase Sapphire $4,500; Chase Sapphire Preferred $5,000; Chase Marriott: $5,000; Citi Thank you preferred $6,000; Citi Simplicity $4,000; Discover it $1,500, BestBuy Store card $2,000; Capital one QS $500; Bank Of america MLB rewards card $5,400; Capital one Playstation card $750
EX:717, TU:725, EQ: 682
Frequent Contributor
Transmogrifying_Bee
Posts: 262
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

myFICO SCORES (10/14): EQ 790 || EX 792 || TU 793 | Discover FICO (11/14) TU 793 *** FICO GOAL: 800+ *** TOTAL CL: $112.4K
FAKO SCORES (11/14): Credit Karma (TU) 790 || Credit Sesame (EX) 804 || Credit.com (EX) 801 || Quizzle (11/14) VS3.0 EQ 811

NASA FCU Rewards Visa 30K || Amex Green NPSL || Amex BCE 24K || PayPal Extras MC 20K || Chase Sapphire Visa Sig 12K || . Chase Freedom Visa Sig 10K || Discover it 8.5K || Citi Diamond Preferred MC 7.9K
Frequent Contributor
JoshNurse
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
JoshNurse
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.


Established Contributor
Closingracer99
Posts: 2,130
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 $4,000; Amazon Store Card $850; Amazon Visa $1,000; Chase Freedom $4,500; Chase Sapphire $4,500; Chase Sapphire Preferred $5,000; Chase Marriott: $5,000; Citi Thank you preferred $6,000; Citi Simplicity $4,000; Discover it $1,500, BestBuy Store card $2,000; Capital one QS $500; Bank Of america MLB rewards card $5,400; Capital one Playstation card $750
EX:717, TU:725, EQ: 682
Regular Contributor
hizzaah
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
JoshNurse
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
gh17
Posts: 394
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 4750 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO (Discover TU): 772
Goal: 800+
Frequent Contributor
gh17
Posts: 394
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 4750 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO (Discover TU): 772
Goal: 800+

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