Juggling CC's

[Anonymous]

Hello,

I have read these boards for quite awhile. Gathering information to further improve my credit scores..So far they are a respectively 771 exp(psecu), USAA scores 762 exp, 771 eq, 771 tu..The only thing is i have ALOT of credit cards.. Never late on any... a small balance on 2 or 3 of them... i cant close or maybe dont want to close any for fear of lowering my aaoa..but with all of the cards i have my scores seem very good.... I have 6 inq on experian, 2 on eq and tu... its a hassle sometimes to keep them all active but i just want to say that it can be done....

My cards and limits:

JC PENNEY6,200

WALMART STORE4,500

WALMART DISCOVER7,500

AMAZON 2,400

TARGET1,000

MACYS0 (2400)

SAMS STORE10,000

SAMS DISCOVER10,000

SDFCU15,000

FTN CC6,500

First Tech CU10,000

SCFCU4,000

MATCU7,500

ALLIANT CC15,000

U S BANK6,500

PENFED7,500

PENFED PROMISE5,000

BOA MC5,000

BOA VISA6,500

AMEX11,200

COSTCO AMEX3,500

USAA AMEX14,000

USAA MASTERCARD8,000

DISCOVER10,000

CAPITAL ONE MC4,450

CAPITAL ONE VISA1,400

NATIONWIDE CC10,000

CITI MC8,020

CITI DP MC2,400

NFCU MC20,000

NFCU VISA20,000

NFCU CASHREWARDS20,000

NFCU NAVCHECK10,000

CHASE Freedom MC 6,700

CHASE Freedom MC 5,500

DELL FINANCIAL2,500

BB STORE CARD4,200

BB HSBC MASTERCARD900

PSECU Visa20,000(combo)

PSECU PSL

I know, i know i have a lot of cards...sometimes it surprises me.....

[JustMe77]

What do you pay in AFs every year? I would close at least half, personally...

[GCSCORE]

WOW!   That's a lot of cards to manage.  I wouldn't close any of them since it is clearly working for you.

[Juan123]

closing your cards won't have any affect on your credit scores until they drop off in 10 years... but in those 10 years the cards you keep open will gain 10 years of age... so it wont have any real affect.

i'd close all the ones you don't use and focus on getting CLI's for the ones you do keep.... keeping track.... must be a hassle, and if you have physical cards for all of them that are activated your opening yourself up for identity theft.

[pizzadude]

Wow !!!   I count 40 cards....personally I don't think I could keep track of that many, even with a spreadsheet.....

[Anonymous]

i only have an annual fee on 1 card... the capital one...its my oldest card and that is the only reason why i continue to keep it open and pay the annual fee.

[tcbofade]

YAY!  Somebody with more cards than ME!

(Yours are better cards, too...  I'm jealous!)

[learnin113]

OMG, that is a lot, but very impressive CLs and scores.

Question: How come no Discover (other than WM)?

[Juan123]

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@Anonymous wrote:

i only have an annual fee on 1 card... the capital one...its my oldest card and that is the only reason why i continue to keep it open and pay the annual fee.

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refer to my earlier post >_<

[Anonymous]

i have a regular discover card too with a 10,000 limit...its in the list somewhere