Thanks for that advice, and it's something I will try to keep an eye on. As for too many cards. I don't see myself ever having more than 5-6 cards.
im not the type of person to open 30 credit cards just for the sign up bonuses. It's too much stress in my opinion.
Worrying about which card may get closed for "non use"
getting denied for future loans or cards cause you have too many cards or inquiries already
the more cards you have the more chance for fraud, and if you lose your wallet you are going to have a hell of a time trying to cancel all those cards in a timely fashion.
@SRT4kid93 wrote:
The more cards you have the more chance for fraud, and if you lose your wallet you are going to have a hell of a time trying to cancel all those cards in a timely fashion.
Very true. That's why I get twitchy when friends open useless cards, and then say oh, I'll just throw it in a lockbox and forget it exists.
And why I get twitchy when I find out that P2 carried every card we own on a trip, despite telling them specifically to NOT bring certain cards (which are in MY name), and I had my purse stolen in Germany 10+ years ago, so I've been through that circus (even though I only had 3 CCs at the time, and they were pretty full).
If it's not a card you are actively monitoring, fraud could be happening before you can catch it. My sock drawer cards get checked weekly, and everything else several times a week if not daily.
I use the tactic of trying to minimize the different issuers I'm spread across, as this makes monitoring much much easier. Plus, I only carry around 5 physical cards (AOD, CCR Visa for Costco and Home Improvement stores, MCP Visa for Entertainment and Fast Food, Gemini for Dining and Gas/EV, and SYW because it doesn't work on digital wallet and I'm finishing up the Welcome Bonus), with the rest being accessible via digital wallet (Google Pay).
AU - 
Biz - 
Sock - 
Chopping Block - 
Small update:
I paid my balance down to $0 on 9/9, and so far nothing has popped up on my alerts. I called chase before I tried this little experiment and they said they report after the 1st statement cuts. But I didn't think to ask about the $0 thing.
I'm starting to lose hope this will work, I'll probably give it another couple days before I officially decide my experiment didn't work.
@Gregarious @UncleB @Anonymous @unsungivy @Anonymous
i think it's safe to say my experiment did not work, it appears their mid cycle reports only take affect after your first statement cuts/ after your account first hits your credit report naturally. So there is no way to try to force it onto your report early via mid cycle reporting.