How do you guys handle having multiple cards?

[SouthJamaica]

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@simplynoir wrote:

IMO having an 800+ score is overblown in this forum sometimes.

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I think it's worthwhile targeting the highest scores you can get. For one thing, having an 800+ FICO 8 score doesn't mean you'll have good scores in other models.  In my profile there's typically a 130-point spread between my highest and lowest FICO scores in any given report.

[simplynoir]

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@SouthJamaica wrote:

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@simplynoir wrote:

IMO having an 800+ score is overblown in this forum sometimes.

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I think it's worthwhile targeting the highest scores you can get. For one thing, having an 800+ FICO 8 score doesn't mean you'll have good scores in other models.  In my profile there's typically a 130-point spread between my highest and lowest FICO scores in any given report.

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Having a target like that can help people keep on the straight and narrow so they don't stray from their own credit goals on that we agree but once it starts becoming something else to put it politely I just tune them out at that point.

[Gmood1]

I knew it wouldn't be long before the judgements start.😂
It happens every time one of these threads are started.
Let's not forget, 800 scores DO NOT PROMISE YOU an APPROVAL.

I'm with Noir, I like the churn. Anything above 750 is golden in most cases. Anything above that is gravy.

OP, as others have said, use your credit cards like a debit card. I don't use my debit cards either. Except in the way the Oldman described several pages back.

If you're content with five cards. Then enjoy them.
Some simply can't handle dealing with more than a couple of CCs. Others can't handle one!

Some of us can handle 40 or more.
We are all different and have different goals. I already have a mortgage and several vehicles. There are no major credit apps in my future. And even if it were, I've learned none of what I've done now will stop me from buying a vehicle or another home.
I can't take my good credit to the grave with me. So guess what..I'm going to use the hell out of it, while I still can.😂

[Anonymous]

The last time I responded to one of these threads it got closed by the mods and I got my hands spanked. 

So my answer to the OP's question on how to handle multiple cards is "Wisely."

[Anonymous]

You guys are hilarious lol. Thanks for all the advice. You’ve helped me so much. Once my new cards show up, I’ll retire my debit card and start earning some rewards and cash back!

I also need to add my PRG to my sig!

[Anonymous]

i have 5 cards and they all have different purposes;

1. Discover it - use for 5% back on rotating categories (currently earning cash back on restaurants)

2. PNC Cash Rewards - use for 4% on gas, 3% on restaurants

3. Amazon Prime Visa - 5% back on Amazon and Whole Foods store purchases, also use for international traveling and the occasional dinner

4. Chase Freedom Unlimited - used for shopping and other purchases that dont fit a category

5. Discover it Gas and Food - originally used for 2% back on gas and restaurants but it got replaced by my PNC card. currently using this for my recurring bills, i'm thinking about converting it to the discover miles

i tried using 1 card for everything but my balance got too high and it started having a negative impact on my credit score. now i spread everything over multiple accounts, it makes it much easier to manage my budget and also helps keeps my credit intact

[The-Credit-Disciple]

For me My goal is to use the cards that Benefits me the most, at least I try to. My Discover Chrome is very good on Gas purchases 2% back which is pretty cool, Amex Everyday Blue is really good for the Grocery,I need to use that more for Grocery, but for some reason WINCO Don't take Credit Cards yet Really!!!!! anyways the fun Part for me comes when it's time to pay the cc bill, I am a Hawkeye when it comes to that, I Thank God I don't miss Payments. I check my accounts everyday, Literally everyday no joking around, I have 7 CC and it's super fun to me to always check my accounts. I am very serious about my Credit. I wish I would have learned all the wisdom I am learning from this forum 10 years ago. YOU GUYS and GALS ROCK!!!!. but all in all you have to find what works for you because what works for someone may not work for you and then you will get yourself stuck in the Mud, Find your Happy  Place and embrace it and enjoy the ride

[The-Credit-Disciple]

Also try to keep your Utilization Under at least 10%. the Lower the better, Mine is currently at 1% across all 7 cards, my method which I call the "Hawkeye" method works for me with no Stress.

[Anonymous]

I love the Hawkeye method! Lol

[The-Credit-Disciple]

@Bigdaddy003

I be really looking everyday, my wife be "Dude" you are obsessed with this Credit Stuff, I be Like I know Honey, we going to need our credit to get our first House we are trying to buy, she then say, yeah you are right, continue to look at your accounts everyday so that your credit can be in tip top shape, I reply THANKS HONEY I LOVE YOUR FACE .   people may think I am nuts for checking multiple times of the day but hey it works for me, HAWKEYE METHOD IN FULL EFFECT. LOL