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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: 2,681
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, Bank of America MLB cash rewards: $10,000, Chase Freedom: $9,000, Chase Amazon Visa: $1,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney Rewards: $4,000, Citi Double Cash: $3,700, Citi Thank you preferred: $7,300, Citi Simplicity: $5,200, Capital One GM card: $2,000, Capital One Playstation:$2,500, Amazon Store card: $2,850, Macy's Store Card:$500, American Eagle Store Card: $400, BestBuy Store Card: $2,000, NFL extra points card: $2,000, Discover it: $4,500
Frequent Contributor
Posts: 286
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 797 EX 783 TU 800 **** FICO Bankcard 8: EQ 818 EX 804 TU 824 **** VantageScore 3.0: EQ 821 EX 809 TU 809
TOTAL CL (6 cards): $117.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 3(1) TU 3(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 10.5K || Discover it 10K || ***** CULLED from Portfolio: 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: 2,681
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, Bank of America MLB cash rewards: $10,000, Chase Freedom: $9,000, Chase Amazon Visa: $1,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney Rewards: $4,000, Citi Double Cash: $3,700, Citi Thank you preferred: $7,300, Citi Simplicity: $5,200, Capital One GM card: $2,000, Capital One Playstation:$2,500, Amazon Store card: $2,850, Macy's Store Card:$500, American Eagle Store Card: $400, BestBuy Store Card: $2,000, NFL extra points card: $2,000, Discover it: $4,500
Frequent Contributor
Posts: 306
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.
Discover TU: 688
Quicksilver - $5,000  Amex Blue Cash Everyday - $3000  Chase Freedom - $1000  Platinum Prestige - $1,000  Sallie Mae Platinum- $900  Discover IT Student - $750  VS - $750
AU: Freedom $5.5k, CSP $7.5k
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: 418
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 10,300 (2011) | Cap1 Quicksilver 19,500 (2013) | Discover It 6250 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO: 776 Discover/Barclays TU, 801 Citi Equifax (first time over 800! Smiley Happy)
Goal: 800+
Frequent Contributor
Posts: 418
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 10,300 (2011) | Cap1 Quicksilver 19,500 (2013) | Discover It 6250 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO: 776 Discover/Barclays TU, 801 Citi Equifax (first time over 800! Smiley Happy)
Goal: 800+
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