Banker says I have too many credit cards

[09Lexie]

Gotta agree with my friends.

[Slab]

Thanks to all of you. I am a member of a credit union and will go there. It is just sort of disheartening when one realizes they aren't getting any loyalty from their bank. The banker said I should just keep two of my cards which I thought was foolish.

[navigatethis12]

Different institutions are different with their lending. While more cards do not hurt scores, they can hurt approvals and rates with different lenders. There are some lenders who don't want to see someone with 20 credit cards and 300,000 in credit available to them. Some people have said that when they were getting a mortgage they were told the same thing.

[enharu]

what is your income like?
unless your income is very low, your banker is most probably trying to take advantage of you and upsell you something.

time to switch bankers, if not banks.

[NJTurnpike]

And just so we're absolutely positively clear, 

YOU CAN NEVER HAVE TOO MANY CARDS! 

[Radek7752]

You should really tell that banker to go kick rocks. There are other banks that will appreciate your business. I have never heard such nonsense from a banking employee.

[Cali_Credit]

Being a banker myself and processing credit products on a daily basic, I would say he's pulling you're chain. Banks care less about the amount of credit you have overall. What they look at is employment length, DTI and FICO! It's plain and simple, take your business elsewhere =)

[boomhower]

Dump your banker and find a good credit union, your problems will be solved.

[nicholasyud]

TAke ur stuff and run

[CashOnDelivery]

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@LS2982 wrote:
To quote Tony Montana:

"You banker is taking you for a loooooong ride mang......."

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That was pretty good..

@ OP, I would agree with majority of the posters here. Check with another bank, there is a bank out there who would love to have you.