Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
Re: How many cards

It's a personal decision. I'd recommend asking for a CLI w/your SSFCU CC. It's been open 3 yrs and you're only at $1k.

You might want to look at adding an Amex. I'm not sure if you'd qualify for a BCE, but it has really good rewards. You might want to start w/Zync for only $25/yr AF. Then in a year, app for BCE. Also, this way all future Amex will be backdated to your first Amex. The benefit of that is that usually when you get a new CC, your AAoA takes a hit. With backdating, your AAoA actually gets a boost, which helps your FICO.

Beyond that, I'd think about what you're looking for in terms of rewards. Navy is actually pretty good, IMO. Some have higher % for certain categories, but I like Navy for my all-purpose card. It's a straight forward 1% cash back and you only need to accumulate $20 in rewards before you can redeem.

You might be able to qualify for Chase Freedom, which has different 5% categories each quarter.

I don't think you have too many cards at all. You might want to close your Cap One at some point if there's an AF, since your CL probably won't ever increase.

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!