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show us your credit cards!

Frequent Contributor

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 815 EX 809 TU 814 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 824 EX 823 TU 822
TOTAL CL (6 cards): $127.7K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 16.2K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Frequent Contributor

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: Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


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Established Contributor

Re: you?


TeamPunishment wrote:

I as well am a "Cash" Person.................and a "broke" college kid Smiley Happy 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! Smiley Happy Only company I can't get a limit increase from is chase.......UGH Cat Surprised


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. Smiley Happy

 

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

Valued Contributor

Re: you?


eagle2013 wrote:

TeamPunishment wrote:

I as well am a "Cash" Person.................and a "broke" college kid Smiley Happy 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! Smiley Happy Only company I can't get a limit increase from is chase.......UGH Cat Surprised


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. Smiley Happy

 

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

Re: you?

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

 

Established Contributor

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 NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Senior Contributor

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 HP 01 NOV 2016...............
Established Member

Re: show us your credit cards!

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


Senior Contributor

Re: show us your credit cards!

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

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k