Replacing Cap One

[espnjunkie]

You have multiple AMEX accounts, a discover account, a chase sapphire account, a capital one account and a jp morgan slect account. That's enough credit to do whatever you would need to with. Utilization is not factored into to your credit score with chrage cards under newer scoring models. You have more than enough credit to be able to cover any sort of expenses you might encounter. Having more cards ends up being harder to keep track of because you are dealing with different lenders, websites, systems, customer service, etc. You have reached primeville and can sit back and garden. At this point your biggest concern is not really so much as what you should apply for or get, but rather making sure you pay on time for each of the different accounts. It's all too easy to let one due date slide by without noticing and damaging your scores. At this point your goal shoul be to just maintain what you have. At the end of the day credit is just a form of payment to purchase things and it doesn't matter what card you have. Once you have enough credit perhaps focus on another aspect of your life, business or whatever else.

[bichonmom]

Barclay's is prime, but you might want to talk to some local CUs. They tend to have better interest rates and IMO, it's helpful if you have an established relationship with one for bigger loans like auto and mortgages. I was lucky to get in with Navy, but also have a CC with a local CU, as well.

Maybe get a Visa with one and a MC with the other.

[john398]

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@espnjunkie wrote:

You have multiple AMEX accounts, a discover account, a chase sapphire account, a capital one account and a jp morgan slect account. That's enough credit to do whatever you would need to with. Utilization is not factored into to your credit score with chrage cards under newer scoring models. You have more than enough credit to be able to cover any sort of expenses you might encounter. Having more cards ends up being harder to keep track of because you are dealing with different lenders, websites, systems, customer service, etc. You have reached primeville and can sit back and garden. At this point your biggest concern is not really so much as what you should apply for or get, but rather making sure you pay on time for each of the different accounts. It's all too easy to let one due date slide by without noticing and damaging your scores. At this point your goal shoul be to just maintain what you have. At the end of the day credit is just a form of payment to purchase things and it doesn't matter what card you have. Once you have enough credit perhaps focus on another aspect of your life, business or whatever else.

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as long as you have a spreadsheet and check off wjhen the bill is due is not hard to keep up with a couple of dozen cards, I personally make sure I pay atleast the mninmun when the statement cuts even if he was late as long as its not 30 days late would not show up on cc report however I guess an issuer could do  AA

[Anonymous]

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@john398 wrote:

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@espnjunkie wrote:

You have multiple AMEX accounts, a discover account, a chase sapphire account, a capital one account and a jp morgan slect account. That's enough credit to do whatever you would need to with. Utilization is not factored into to your credit score with chrage cards under newer scoring models. You have more than enough credit to be able to cover any sort of expenses you might encounter. Having more cards ends up being harder to keep track of because you are dealing with different lenders, websites, systems, customer service, etc. You have reached primeville and can sit back and garden. At this point your biggest concern is not really so much as what you should apply for or get, but rather making sure you pay on time for each of the different accounts. It's all too easy to let one due date slide by without noticing and damaging your scores. At this point your goal shoul be to just maintain what you have. At the end of the day credit is just a form of payment to purchase things and it doesn't matter what card you have. Once you have enough credit perhaps focus on another aspect of your life, business or whatever else.

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as long as you have a spreadsheet and check off wjhen the bill is due is not hard to keep up with a couple of dozen cards, I personally make sure I pay atleast the mninmun when the statement cuts even if he was late as long as its not 30 days late would not show up on cc report however I guess an issuer could do  AA

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While it may seem like enough to many, I run bus expenses through these cards. I do believe ill hold for another 4-6 months then recheck. Its easy to handle my cards as I pay once a week normally.

Thank you everyone for the helpful suggestions!

[espnjunkie]

Why don't you get a business credit card for those purposes? It makes your life alot easier and you can separate expenses easier. Centurion doesn't give you a high enough limit either?

[Anonymous]

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@espnjunkie wrote:

Why don't you get a business credit card for those purposes? It makes your life alot easier and you can separate expenses easier. Centurion doesn't give you a high enough limit either?

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Cent  is not a visa or mc. Im good in the Amex dept.

[espnjunkie]

Chase Sapphire Preferred, JP Morgan Select and Discover Miles are not enough?

[Anonymous]

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@espnjunkie wrote:

Chase Sapphire Preferred, JP Morgan Select and Discover Miles are not enough?

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Disc has almost no acceptance in Europe. Maybe it would be better to ask for a cli instead on sapphire. Out of the 3 its the one thats most used. Im paying once a week so that it doesnt hit its limit. Even though its a sig im not sure how much above the limit Chase would approve so I keep it under.

[LS2982]

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@espnjunkie wrote:

You have multiple AMEX accounts, a discover account, a chase sapphire account, a capital one account and a jp morgan slect account. That's enough credit to do whatever you would need to with. Utilization is not factored into to your credit score with chrage cards under newer scoring models. You have more than enough credit to be able to cover any sort of expenses you might encounter. Having more cards ends up being harder to keep track of because you are dealing with different lenders, websites, systems, customer service, etc. You have reached primeville and can sit back and garden. At this point your biggest concern is not really so much as what you should apply for or get, but rather making sure you pay on time for each of the different accounts. It's all too easy to let one due date slide by without noticing and damaging your scores. At this point your goal shoul be to just maintain what you have. At the end of the day credit is just a form of payment to purchase things and it doesn't matter what card you have. Once you have enough credit perhaps focus on another aspect of your life, business or whatever else.

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+1

[Anonymous]

I think the Chase Freedom M/C would be a good choice especially because you can transfer points to your Sapphire account to combine and redeem faster. That is what I do with mine. I would not worry about having so many "eggs in one basket" with Chase. I have two cards and my car loan through them, so I don't think three products would be a big deal in your case. Citi is much better with limit increases (soft instead of hard every time with Chase), and generally I have seen them give large limits in comparison to others. Just sayin'! In regards to people saying you have too much credit, I disagree lol. My recently added Gold PR AMEX makes 11 and I'm 23. I assume I'll garden over the years to come, but still have other cards on my wish list. You should have another MasterCard for sure, I like the OnePass as well. That silver logo is nice!!! Good luck.