How many Cards do/can you actively manage at any one time.

[Steelersboy]

BOA-gasoline, groceries

Chase amazon-amazon.com, restaurants

Capone-bills, misc.

Discover-walmart, Fico score

other capones- utilization/sock drawer

[UFGuy2006]

I actively only use 2 - the rest I use mint to monitor last used date and make sure to charge something every 3-4 months.

[Hightechredneck]

I have 30 active accounts now. I'm starting to do BT's and will be rid of about 5 in the next few months. Among the CC's on the chopping block are Credit One, Wells Fargo, Macy's, Associated Bank and Crap One.

[Irisa]

I actively manage 10 accounts right now, but only 6 are mine.

Chase Sapphire: Dining

BoA: gas, groceries

Freedom: Amazon.com

Discover: online purchases, shop Discover

2 Capital One for everything else

[Anonymous]

I have 10 cards and one LOC that I use for different purposes, for consumer protection, extended warranty, collecting reward points/miles, interest rates, etc. I have a spreadsheet that I use to help keep track of things like due dates and benefits and best uses for each card. It took a bit to set up but its easy to use now that its done.

This many cards isn't likely ideal for many people but its working for me for now.

[MACFRME]

Someone earlier in this thread said, "I manage all 14 of my cards actively in it has helped me on my credit journey." I feel the same way. I have strategically used all of my cards to get CLIs, upgrades, and rewards. I actively use all of mine because I had somewhere around $3,000 in available credit earlier this year. I had to open a lot of new accounts, take a lot of inquiries, and app quite aggressively, but I now have over $60,000 in new credit and just about every card I could ever want (going by what's on the market right now). Currently, I frequently use these cards: CSP - We dine out for almost every meal at my house, so this card is fantastic. 2% CB or more if redeemed for travel. Delta Amex - Delta purchases. BofA Cash Rewards - Use for 3% on gas purchases. Compass Clearpoints - Using for a no-fee 0% for 12 months BT offer. Paid off a student loan! Discover It & Chase Freedom- Use for rotating categories for miscellaneous purchases. RBFCU LOC: It only has a $900 CL, but I use the crap out of it between paydays to pay small bills before CC statements cut. It also serves as emergency cash access, so I never take a CC cash advance. APR is 10.9%. These cards are ones that I actively use, but that aren't in my wallet. I would not say they are sockdrawered because i make an effort to use each of them at least monthly: Alliant CU - Good APR (10.24%, currently 0%) Cabela's - Good for gun financing. Gave me my highest starting line during rebuilding, and basically opened the doors for my other cards. Smart Connect - Convenience of use with Paypal. Walmart - Free FICO and fee-free cash advances. Gap - 5% rewards redeemable as a coupon at Gap stores. Actually sockdrawered: J.Crew - Easy CLIs, but really high prices. $16 for one pair of socks? Really? Dillard's AmEx - High CL, but lackluster rewards and a high APR. 2 Cap1 Quicksilvers - Keeping these for account age. High APRs and costly AFs.

[Anonymous]

Barclay Arrival (annual fee version, currently waived for first year) - everyday spending that does not fall into a a better reward/cash back category

Penfed - Gas

Blue cash everyday - grocieres

Us Bank Cash+ - restaurantes and hotels

Discover it - online purchases only in conjunction with things that can be purchased through shopdiscover

Fidelity Amex - costco

Chase freedom - amazon

Another handful i just use occasionally

[sandman2435]

I have 36 Visa and Mastercards and !0 Amex...Fixing to cut this down in half as my credit rebuilding journey is compleate..I pay in full and have less than 1% Util...total Avali credit is about 370K...Plan to cut it down to 150K...I have no store credit cards as I've closed them out last year!

[KoolDev]

I have i think 9 or 10 total cards, only 3 with a balance at this point.   i carry 2 cards in my wallet, NFCU Visa sig for emergencies (big ones) and my WF 1000 limit for buying something cheap.

[SunriseEarth]

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@MACFRME wrote:
Someone earlier in this thread said, "I manage all 14 of my cards actively in it has helped me on my credit journey." I feel the same way. I have strategically used all of my cards to get CLIs, upgrades, and rewards. I actively use all of mine because I had somewhere around $3,000 in available credit earlier this year. I had to open a lot of new accounts, take a lot of inquiries, and app quite aggressively, but I now have over $60,000 in new credit and just about every card I could ever want (going by what's on the market right now). Currently, I frequently use these cards: CSP - We dine out for almost every meal at my house, so this card is fantastic. 2% CB or more if redeemed for travel. Delta Amex - Delta purchases. BofA Cash Rewards - Use for 3% on gas purchases. Compass Clearpoints - Using for a no-fee 0% for 12 months BT offer. Paid off a student loan! Discover It & Chase Freedom- Use for rotating categories for miscellaneous purchases. RBFCU LOC: It only has a $900 CL, but I use the crap out of it between paydays to pay small bills before CC statements cut. It also serves as emergency cash access, so I never take a CC cash advance. APR is 10.9%. These cards are ones that I actively use, but that aren't in my wallet. I would not say they are sockdrawered because i make an effort to use each of them at least monthly: Alliant CU - Good APR (10.24%, currently 0%) Cabela's - Good for gun financing. Gave me my highest starting line during rebuilding, and basically opened the doors for my other cards. Smart Connect - Convenience of use with Paypal. Walmart - Free FICO and fee-free cash advances. Gap - 5% rewards redeemable as a coupon at Gap stores. Actually sockdrawered: J.Crew - Easy CLIs, but really high prices. $16 for one pair of socks? Really? Dillard's AmEx - High CL, but lackluster rewards and a high APR. 2 Cap1 Quicksilvers - Keeping these for account age. High APRs and costly AFs.

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If the Cap Ones are closed, they'll still continue to be on your CRs for 10 years.   Given the rest of your lineup, I highly doubt they're helping your UTIL much.  If the fees are an unnecessary expense, you should consider closing them.