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Frequent Contributor
Posts: 278
Registered: ‎12-01-2012

Re: you?

NINE bank-type cards.

 

ZERO store / gas cards.  (I recently canceled a Shell card since they kept lowering my CL due to lack of use.)

FICO Score 8: EQ 791 EX 777 TU 795 ***** FICO Bankcard 8: EQ 818 EX 804 TU 818 ***** VantageScore 3.0: EQ 820 EX 798 TU 799
TOTAL CL (6 cards): $114.5K ***** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 4(2) TU 5(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 *****
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013

Re: show us your credit cards!

Four, but none are store or gas cards. 

 

I plan to add amex, Macy's if they let me back in, Home Depot and maybe a gas card. I may stop at amex since I don't want too many cards since it may be hard to manage them all. 


Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


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Established Contributor
Posts: 578
Registered: ‎12-27-2012

Re: you?


TeamPunishment wrote:

I as well am a "Cash" Person.................and a "broke" college kid :smileyhappy: but it's always a good feeling to walk into the bank and get approved for a 25,000.00 auto loan and have over 10,000.00 available in emergency credit. Stick to your goals! :smileyhappy: Only company I can't get a limit increase from is chase.......UGH :catsurprised:


Not making a lifestyle judgement, but I would not think of your credit limits as "emergency" credit. The key to keeping your FICO score high is using as little of your availiable credit as possible. It is also a benefit for CCCs to see your history with higher limits when applying for new credit. This is primarily why folks make a huge stink here about not getting CLIs - it isn't because they necessarily need them. Unforseen expenses would best come from a emergency fund (cash) to be paid off in full (or mostly so) should you use your CC. :smileyhappy:

 

Back on topic, I have 6 credit cards (2 AU) and 2 store cards (Macy's and Old Navy)

Valued Contributor
Posts: 1,633
Registered: ‎01-23-2013

Re: you?


eagle2013 wrote:

TeamPunishment wrote:

I as well am a "Cash" Person.................and a "broke" college kid :smileyhappy: but it's always a good feeling to walk into the bank and get approved for a 25,000.00 auto loan and have over 10,000.00 available in emergency credit. Stick to your goals! :smileyhappy: Only company I can't get a limit increase from is chase.......UGH :catsurprised:


Not making a lifestyle judgement, but I would not think of your credit limits as "emergency" credit. The key to keeping your FICO score high is using as little of your availiable credit as possible. It is also a benefit for CCCs to see your history with higher limits when applying for new credit. This is primarily why folks make a huge stink here about not getting CLIs - it isn't because they necessarily need them. Unforseen expenses would best come from a emergency fund (cash) to be paid off in full (or mostly so) should you use your CC. :smileyhappy:

 

Back on topic, I have 6 credit cards (2 AU) and 2 store cards (Macy's and Old Navy)


Though I agree that it's good to have an emergency cash stash, I still consider my high cc limits to be emergency credit. What if I'm traveling and my car breaks down? What if I have to book a flight and hotels suddenly because a relative across the country is in an accident? Cash is NOT good for certain types of emergencies at all, so I agree with TeamPunishment.

 

I know you have to be careful in using cards for emergencies, and maybe it's good to be able to pay them off from a cash stash afterward, but there's NOTHING wrong with having high CLs strictly for emergency.

 

Valued Contributor
Posts: 1,633
Registered: ‎01-23-2013

Re: you?

And to stay on topic, 7 total, 6 general and 1 store.

 

Established Contributor
Posts: 864
Registered: ‎10-11-2013

Re: show us your credit cards!

I currently have 6, but I'm looking at cancelling the BB&T card in the not too distant future.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png photo DISCOVER_IT_LG.gif photo HNY2HNY2.png
$6500 ............ $5400 ............ $5000 ............ $5000 ............ $5000 ............ $4500 ............ $4250 ............ $3000
In the Garden until at least November 2015.
Community Leader
Senior Contributor
Posts: 4,651
Registered: ‎11-13-2012

Re: show us your credit cards!

all cards I ever had are in my signature - no closed account - no store cards

Move the mouse over the cards for detailed view!
Last app 01/15/2015
Established Member
Posts: 23
Registered: ‎12-18-2013

Re: show us your credit cards!

I have 11 credit cards and 3 store cards. I just realized I have an addiction!


Senior Contributor
Posts: 3,909
Registered: ‎10-02-2012

Re: show us your credit cards!

I have 0 credit cards and plan to keep it that way until who knows when.

Valued Contributor
Posts: 2,155
Registered: ‎09-16-2011

Re: show us your credit cards!

 

I have 2,  to many credit cards

 

27 reporting, 3 more will be reporting in a couple months or so.  

 

mix of store and major credit cards, not in low limit hell thank god!!!

 

see signature for details.

 

 

 

 

 

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
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