topic Re: How many Credit Cards do you have? in Credit Cards

How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 07:42:16 GMT

I've just finally noticed that 6 credit cards is too much for me to handle.

I really hope that I'm not the only individual with this much credit cards...

Just out of curiosity, how many credit cards do you have and what's your primary card?

Re: How many Credit Cards do you have?

andre181 — Thu, 02 Dec 2010 08:10:37 GMT

Too many, but I just can't stop apping!

11 to be exact. I don't have a "primary card". Chase, Discover, and BoA are SD'd. FNBO and Barclay both have large balances from recent large purchases and will be paid off within 3 months, so I'm not using those right now.

I am still anxiously waiting for my US Bank card to arrive in the mail. Once I get that, US Bank, Citi, WF, Amex, FNBO, and Cap1 M/C will be the only ones I will carry, and all the rest will be SD'd for a while.

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 08:43:20 GMT

24 or so, with a total combined credit limit of around $250k or so.

Re: How many Credit Cards do you have?

smallfry — Thu, 02 Dec 2010 10:25:45 GMT

I have 5 currently and I know that I could get by with 3 if I had to.

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 10:59:44 GMT

I have currently have 2:

BankAmericard Cash Rewards-$2,000 cl

Citi Dividend Platinum Select for College Students-$4,000 cl

I had others but closed them due to low credit limits or high interest rates. Probably stupid, but I've already done it. I'm now going to stop apping and garden as I have too many inq's on my reports. I really don't need any more credit for my income as a college student and I'm sure these two cards will grow with me.

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 12:42:07 GMT

I have twelve and I generally use Am Ex unless there is a special with some other card.

Re: How many Credit Cards do you have?

KIPPIE12 — Thu, 02 Dec 2010 13:23:35 GMT

9 total, and revolve 2 each month <3% util

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 13:51:50 GMT

Re: How many Credit Cards do you have?

ChampagneWishes — Thu, 02 Dec 2010 15:53:26 GMT

I have 4 now. Just added Zync a month ago, and that's my primary. Then have a Cap1 with a $2500 limit - it's my oldest card at 6.5 years, and no AF so I'll probably keep it forever. Then Orchard ($500) and HSBC Best Buy MC ($400), both of which I will most certainly ditch when the time is right.

4-5 cards is my goal, so I'm slowly switching out my sub-prime cards for better rewards and CLs. Next app won't be till May or June...maybe Citi Forward?

Re: How many Credit Cards do you have?

haulingthescoreup — Thu, 02 Dec 2010 17:22:20 GMT

10, 3 of which are store cards.

I'm getting ready (have been for a year, lol) to combine the limits on my USAA cards and close the AmEx, and I'd be willing to close another, but so far they're all filling one niche or another in my budget, so there's no really obvious candidate. My plain-Jane AmEx Blue might get replaced by the Costco True Earnings in an attempt to get some real rewards.

I have each one earmarked for a separate purpose (gas, groceries, purchase protection on big-ticket items, etc.) so I only use maybe four during any given month, depending on who's doing which rewards now.

Since I balance my checkbook every morning, I also review the dates on each card at that time to see who needs to be paid. This works out well for me, but you definitely have to stay on top of things!

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 17:36:40 GMT

i have 5

Use my AMEX for just about everything, cause I love the rewards and hate revolving balancing lol

Re: How many Credit Cards do you have?

fused — Thu, 02 Dec 2010 17:44:36 GMT

I have a total of seven cards.

5 revolving cards

1 charge card

1 store card (revolving)

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 17:46:39 GMT

6 (2 are store only), Expect will grow to no more than 10. Keeping track can be a lot of work.

Re: How many Credit Cards do you have?

Imhotrodcrazy — Thu, 02 Dec 2010 17:59:41 GMT

3, that's enough for me to keep up on. Only use one each month and PIF.

Re: How many Credit Cards do you have?

Anonymous — Thu, 02 Dec 2010 18:48:52 GMT

6...2 of which are store cards and I'm done. Don't want anymore....I am doing good by keeping up with these. I app'd ALOT so now I'm scared to do anymore and waiting for my flowers to grow I want to "reward" myself next year by purchasing another car...an upgraded version of what I have

Re: How many Credit Cards do you have?

laz98 — Thu, 02 Dec 2010 21:18:44 GMT

between us, we have 16.

Re: How many Credit Cards do you have?

dytch2220 — Fri, 03 Dec 2010 05:04:45 GMT

One, LOL. Feelings of inadequacy are raging within me.

Capital One Secured MasterCard $200 CL

Furthermore, although I've paid the initial deposit, I haven't received the card yet. So, technically I gues that means I have none.

Re: How many Credit Cards do you have?

Anonymous — Fri, 03 Dec 2010 05:10:05 GMT

Haha this thread makes me feel a lot better .

Re: How many Credit Cards do you have?

Anonymous — Fri, 03 Dec 2010 05:13:31 GMT

@dytch2220 wrote:
One, LOL. Feelings of inadequacy are raging within me.

Capital One Secured MasterCard $200 CL

Furthermore, although I've paid the initial deposit, I haven't received the card yet. So, technically I gues that means I have none.

When Capital One opens the account, technically you do. Congrats, you are on your way.

Re: How many Credit Cards do you have?

dytch2220 — Fri, 03 Dec 2010 05:14:24 GMT

@Anonymous wrote:
24 or so, with a total combined credit limit of around $250k or so.

Dude! What do your scores look like?