Question about the bragging about having multiple cards open

[Anonymous]

How come we haven't gotten OP to chime in to all the responses after he asked the question?

[Anonymous]

1 hit wonder?

LTL makes a good point though...Your sig could be used to identify you if they really wanted to.

[Anonymous]

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@Anonymous wrote:

I am just trying to get my cards in mine, and I am not sure how!

For me, it isn't bragging, I am just proud I am starting to make it, and want to share in my growth!

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You don't have enough posts to put HTML in your signature.  I'm not sure of the exact number but I think it's in the 30-50 range.  Once you do, this is how you add credit cards to your signature:

http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td-p/2262839

[Themanwhocan]

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@Anonymous wrote:

Wait I must have missed something... Where do I apply for the One Direction credit card?! I already have 20 cards and I HAVE to get another one!

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https://www.citiprivatepass.com/landing/one_direction.html

[Anonymous]

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@Themanwhocan wrote:

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@Anonymous wrote:

Wait I must have missed something... Where do I apply for the One Direction credit card?! I already have 20 cards and I HAVE to get another one!

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https://www.citiprivatepass.com/landing/one_direction.html

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HAHAHA, finally a chance to use my Citi Private Pass access!!!

[Anonymous]

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@Anonymous wrote:

If you have $30,000 to $50,000 limits on several cards and scores above 700 then you have proven you have spent decades maintaining your good credit.  These are the people you should ask the most questions of.  The only people you need to question about why they are bragging are the ones who go on a 7 store card spree and report their $250 limits.  People brag in all kinds of ways, including by the car they drive, the size of the house they live in.  But even then you could win $10 million tomorrow and buy you a big house but that won't make your 540 credit score go above 700.  It's kinda like the cool kids at the mall.  You don't dress from the stores they shop at and you're not one of them.  So scurry along back over to Payless Shoes. 

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So true!! You literally have me in tears over here!!! But so true

[NRB525]

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@Anonymous wrote:

How come we haven't gotten OP to chime in to all the responses after he asked the question?

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I often wonder the same thing. It's interesting when you see a thread that is 3 pages long after one day, and the lead poster has 1 total post.

[Anonymous]

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@Imperfectfuture wrote:

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@Anonymous wrote:

If you have $30,000 to $50,000 limits on several cards and scores above 700 then you have proven you have spent decades maintaining your good credit.  These are the people you should ask the most questions of.  The only people you need to question about why they are bragging are the ones who go on a 7 store card spree and report their $250 limits.  People brag in all kinds of ways, including by the car they drive, the size of the house they live in.  But even then you could win $10 million tomorrow and buy you a big house but that won't make your 540 credit score go above 700.  It's kinda like the cool kids at the mall.  You don't dress from the stores they shop at and you're not one of them.  So scurry along back over to Payless Shoes. 

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Not so, none of my limits are over 6k, AAoA is from one to two years, and my scores went from 560 to 720+ in 1.5 years.  The profile you mention in your opening statement should be close to 850 (perfect score).

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And while I do (begin bragging mode) have the  ~ 850 scores and $30K + limits, I think the analogy is misplaced.   If you have $10M (or $100M or whatever) the credit score really doesn't matter as you can choose to pay cash.  The cool kids are buying cool clothes because they don't have enough money not to care about coolness, and so get their pathetic self-esteem by knowing the right brands and feeling part of the in crowd.

[red259]

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@NRB525 wrote:

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@Anonymous wrote:

How come we haven't gotten OP to chime in to all the responses after he asked the question?

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I often wonder the same thing. It's interesting when you see a thread that is 3 pages long after one day, and the lead poster has 1 total post.

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OP probably has more of a life than we do and will check back tomorrow. OP seems legit and I think is just trying to understand how credit works on a basic level. 

[Anonymous]

I personally wouldn't do 20 cards, but if someone else wants to, that's their thing.  What does make me wonder is when they have 20 cards, and their names are filled with such luminaries as Fingerhut, CreditOne, Vicki's Secret, and various other comenity cards with low limits, as opposed to Chase, Amex, BOA, Citi, even Capital One which are prime lending banks. 

I'm shooting for 2-3 more bank cards, I have enough store cards, more than I even planned on since CareCredit was kind of 'pushed on me' by a dentist to help with a bill, and I'm kind of glad they did because I'm finding it very useful.  Amazon is nice for the 0% financing, although the limit is low now, I know that'll grow with time.  Walmart, eh, their groceries are ok and I can get good prices on Wrangler jeans there.  Beyond that I may just keep it open for Util purposes and use it sparingly.  

As for what I'm targeting:  Sallie Mae, CSP and Amex BCP or maybe a charge card.  Then that should be it, just let those grow once acquired like I'm doing now.