Why do you need so many credit cards?

[Anonymous]

lol you all are ridiculous. you're finding anything you can to gang up on someone. obviously i don't app for useless cards anymore but yes, you know it all lol. continue with indulging me in how smart you think you are. it's quite entertaining honestly. your attempts at making me look dumb are mildly adorable and worthy of a chuckle. i am having more fun than you are, so please, continue.

[tntexans72]

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@Anonymous wrote:
lol you all are ridiculous. you're finding anything you can to gang up on someone. obviously i don't app for useless cards anymore but yes, you know it all lol. continue with indulging me in how smart you think you are. it's quite entertaining honestly. your attempts at making me look dumb are mildly adorable and worthy of a chuckle. i am having more fun than you are, so please, continue.

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You are probably in your 20s....and have a whole life ahead of you AND a lot to learn on these forums. You have two ears wink wink and 1 mouth. 

[Anonymous]

I still want a dress made of Amex's. 

Just so I could fling my body across the register like a old western bar fight while screeching "Charge!"

...haute couture.

[Anonymous]

LOL I needed that. The visual is killing me

[jeffery581]

I agree pc has become silly

[LadyJEsq]

What an interesting read! I wasn't considering becoming a churner and now I am. Especially since I hit the spend on my new additions already. Decisions, decisions, decisions.......

[vanillabean]

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@LadyJEsq wrote:

What an interesting read! I wasn't considering becoming a churner and now I am. Especially since I hit the spend on my new additions already. Decisions, decisions, decisions.......

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I sense denial.

[LadyJEsq]

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@Anonymous-own-fico wrote:

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@LadyJEsq wrote:

What an interesting read! I wasn't considering becoming a churner and now I am. Especially since I hit the spend on my new additions already. Decisions, decisions, decisions.......

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I sense denial.

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I'm actually not interested in a relationship with Chase, so thankfully that's not an issue. I'm only concerned with how churning would look once I go mortgage shopping in a couple of years. If any churners have any insights on that, I'd be interested in hearing.

[longtimelurker]

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@LadyJEsq wrote:

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@Anonymous-own-fico wrote:

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@LadyJEsq wrote:

What an interesting read! I wasn't considering becoming a churner and now I am. Especially since I hit the spend on my new additions already. Decisions, decisions, decisions.......

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I sense denial.

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I'm actually not interested in a relationship with Chase, so thankfully that's not an issue. I'm only concerned with how churning would look once I go mortgage shopping in a couple of years. If any churners have any insights on that, I'd be interested in hearing.

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Generally (weasal word!) the mortgage underwriters aren't going to delve into credit card history in great detail.   They are concerned with score, and your open obligations.   Obviosuly churning can impact score through inqs and AAoA, but with a thick file, it matters less.    While not an official churner, I have more closed cards than open ones, and the only time credit cards were mentioned in my many mortgage experiences was when a new inq showed up shortly before application, and I had to explain if I got a new line, and if so how much etc.

Now I always get mortagages on the internet.   If I churned Chase or Citi and went directly to them for a mortgage, I guess it could be different. 

[LadyJEsq]

Thanks for the datapoints LTL! I will either get a mortgage from a CU or the Internet (whichever offers the lowest rate), so your experience is very helpful!