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Established Contributor
Posts: 534
Registered: ‎03-21-2014

Re: How many credit cards do you have?

I just don't see a need for many cards. I get why some do since they are earning rewards etc, but for me it's just not what I want. I want one more card and then I'm done

Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $4000,Barnes $8500,Amex $22k
Established Contributor
Posts: 961
Registered: ‎12-05-2013

Re: How many credit cards do you have?

[ Edited ]

I have 7 but noticing that only 3 are getting regular use.   I'm spending 20-40K a month on the three cards. 


The rest are backup cards in case systems are down, not accepted, or emergency needs. 

So the question becomes, "What's enough for backup?" 


I would say 2 is enough for backup.  That being said that makes 5 as optimal for me. 


Apping for new cards isn't in my future unless apping will net at least $400 in signup bonus.   Otherwise I suspect PCing and AUTO CLIs will be my new best freinds for a long while. 


* I just realized that apping for new AMEX cards can increase your AAoA.

* Reward cards are less meaningful for me unless I can earn at least $200 from spending per month.  This means my Barclays, BOA, and Chase Slate are on in line to be chopped.









Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Senior Contributor
Posts: 8,517
Registered: ‎06-05-2013

Re: How many credit cards do you have?

JoshNurse wrote:

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

Which FICO?  There isn't just one score.  Or one model.

Senior Contributor
Posts: 4,719
Registered: ‎03-23-2014

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

I have 22 credit cards (16 are store cards for the discounts) and the ONLY one that I'm considering letting go of is my Credit One Visa.  According to MyFICO, my Equifax score is currently 632 (Equifax is consistently the lowest of the three which is why I track it). I went on a MAJOR App Spree in March, which is why I'm in the Garden until June 2015.  At that time I'm going for a USAA WMC and AMEX BCE and then I'm DONE. Smiley Wink

Last App: 10/2/17
Gardening Until Further Notice
16 Credit Cards (10 Major Banks & 6 Store Cards)
No AF's/Overall Utilization Hovers around 4%
Posts: 111
Registered: ‎02-26-2014

Re: How many credit cards do you have?

Currently I have 8, all in my sig including my scores, I don't use my amex clear nor Wells Fargo ever. But they are my 2 oldest accounts so I don't wanna close em yet
Mouse over for Limits, Sorted Oldest to Newest
Frequent Contributor
Posts: 299
Registered: ‎06-05-2011

Re: How many credit cards do you have?

I currently have the five in my signature. I eventually plan to add one more card in a year or two once I have graduated and am working. The 5% cards (It, Freedom, and Dividend) get swapped in and out of my wallet depending on the bonus categories on each one. My Amex is used for groceries and gas while my Navy Fed card is my primary spend card. The card I eventually plan on getting would be for restaurants and travel.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.
New Contributor
Posts: 63
Registered: ‎12-06-2012

Re: How many credit cards do you have?

Honestly way too many... Chase Sapphire Preferred, Amex Gold Premier, Amex BCE, Citi ThankYou Preferred, CapitalOne Journey, American Eagle Visa, Old Navy Visa, Discover IT, A&F store card, AE store card (because they didn't consolidate the two accounts for some reason...), a credit line with BillMeLater, and an Amazon store card. So eight "regular" credit cards and three store cards that I really don't use. 


I have them all because I like them, though. Smiley Happy

From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC
Valued Contributor
Posts: 1,107
Registered: ‎02-03-2009

Re: How many credit cards do you have?

This thread prompted me to count, I currently have 36 (4 are store cards, plus a few co-branded store cards). I had 37, but Jared closed my account this month due to lack of activity.


My scores range from 775 - 814. My AAoA is 5 yrs, with 20 years of history.


I don't get dinged on score for too many CC accounts, but have beent thinking about closing/consoildating a few. Jared was one I was going to close, but they beat me to it, lol.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Valued Contributor
Posts: 1,835
Registered: ‎03-11-2009

Re: How many credit cards do you have?


TU 839 9/5/17
EX 833 9/5/17
EQ 837 9/5/17
(NASA 30K) ( Amex 38.6k ) ( QS 24K ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007

Re: How many credit cards do you have?

Six open cards:

5 CC's - 1. Amex, 3 VISA, 1 MC

1 charge card - Amex Platinum


2 closed cards:

1 Discover Card

1 BoA


FICO 08 Scores: EQ 850, EX 850, TU 850

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