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Do you a have a limit for how many cards and total credit limit you want?

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AyaMai
Frequent Contributor

Do you a have a limit for how many cards and total credit limit you want?

Responses appreciated and thank you in advance.

Message 1 of 41
40 REPLIES 40
calisig
Regular Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?

no limit per se, but all the cards I add must serve some purpose. So I won't add a card just to add it. There has to be some specific reason, other than a SUB, that I add it. Currently I have five new cards in my sights, and plan to cancel one of my existing cards ....

13Oct22 Exp F8: 812
Message 2 of 41
Gollum
Established Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?


@AyaMai wrote:

Responses appreciated and thank you in advance.


I limit myself to five credit cards, and I set the credit limit for those cards myself.

Credit Scores: (FICO 8) 850 Experian August 2025, 842 TransUnion July 2025
Credit Cards (newest to oldest): NFCU Visa Platinum $25,000 | BECU Cash Back Visa $12,500 | American Express BCE $9000 | Simmons Bank Visa $7500 | Capital One Quicksilver Visa Platinum (PC/upgrade from No Hassle Miles Rewards Visa Platinum) $1800
Message 3 of 41
Shooting-For-800
Senior Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?

No limit on cards, but eventually I will start requiring a CL of $10k then $15k then $20k to keep them.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!



Message 4 of 41
tcbofade
Super Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?

Just one more, just one more, just one more...

Fico 8 7/01/25: EX 800, EQ 805, TU 792.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 5 of 41
Yasselife
Valued Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?

@AyaMai My maximum is what I can carry on my digital wallet(11 cards), so easy as carrying one(phone).

   I am a low spender but I like having limits that allow me to stay under 10%, so $5-10k per card is ideal... some cards were added for diversification, cash back and relationship, or just for the fun of it(bonus).


Message 6 of 41
NoMoreE46
Community Leader
Senior Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?

I have 11 cards (correction 13) plus two more as an AU.  Around $250,000 in limits.  Some cards are SD. 

I am planning on at least two more cards.

 

I aint chasing SUBs or any number but going for cards that meet a spend purpose.

Message 7 of 41
AlanGJP
Established Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?


@tcbofade wrote:

Just one more, just one more, just one more...


It's a problem... Smiley Wink

Personal Cards:
Business Cards:
Closed Cards:
Data Points:
Last Updated: 2023/11/09
Message 8 of 41
unsungivy
Valued Contributor

Re: Do you a have a limit for how many cards and total credit limit you want?

I'd like to have a smaller number of CCs... but some are just too dang good. It appears that my permanent line-up will have at least 10, but I don't see getting up to 20... if there's so many individual uses I will make P2 pick them up (trying to keep the number of different financial institutions limited, and have mentally "assigned' him to citi and capital one, for example). I have no problem downsizing as I replace cards with better ones. I would like all my limits to be 25k (failing that, multiples of 5k). 

AU - Biz - Sock -
Debit Cards - Chopping Block -
Message 9 of 41
Brian_Earl_Spilner
Credit Mentor

Re: Do you a have a limit for how many cards and total credit limit you want?

At some point I will downsize and optimize. I want to have under 10 cards. As for limits, I just want a few with limits high enough to cover any emergency. 

    
Message 10 of 41
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