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how many more credit cards - current standing at 36 cards!

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GetMeSlick
Established Contributor

how many more credit cards - current standing at 36 cards!

Just a post to see how many is too many for us?Smiley Happy

Currently, I have 36 cards. Plus DW has 20. Overall 56!Smiley Very Happy

 

How many more can I go?Smiley Wink

4/2024 FICO TU-840|EX - 838|EQ -840
Total Credit - $535K+
Starting Score: 640
Current Score: 840
Goal Score: 850


Take the myFICO Fitness Challenge
Gardening since Mar/2024
Message 1 of 9
8 REPLIES 8
Kforce
Valued Contributor

Re: how many more credit cards - current standing at 36 cards!

You need an even 100    Smiley LOL

Message 2 of 9
Trini88
Established Contributor

Re: how many more credit cards - current standing at 36 cards!

I have 12. Can handle that amount but will def be replacing some. Getting rid of my Quicksilver, Americard, Victoria Secret and Lowes and replacing them with Citi Custom Cash, BOA Cash Rewards,US Bank Cash+ and a Chase card when I can. Target is walking a very thin line with me 🙄. I'll def get rid of them and downgrade to getting 3% back with Bank of America than dealing with their card that won't grow.



Goal Cards:
Message 3 of 9
AZ-Jeff
New Contributor

Re: how many more credit cards - current standing at 36 cards!


@GetMeSlick wrote:

Just a post to see how many is too many for us?Smiley Happy

Currently, I have 36 cards. Plus DW has 20. Overall 56!Smiley Very Happy

 

How many more can I go?Smiley Wink


How do you keep track of all those cards? I have trouble keeping track of the ones I have!

Do you have a favorite top 10 cards? Or do you use them all regularly, .i.e., no sock drawer cards.

I would get 3 more just to round it up to an even 40 cards LOL



         

Message 4 of 9
CYBERSAM
Senior Contributor

Re: how many more credit cards - current standing at 36 cards!

As long as you have them on autopay and you can login to see everything is ok once a month, then as many as you care to handle!

Now how many you can fit in your wallet! That is another story...







                
Message 5 of 9
Anonymalous
Valued Contributor

Re: how many more credit cards - current standing at 36 cards!

The move notice on your thread is truncated to "current standing at 3...". Which for a second made me think we have the same number of cards. Smiley LOL

 

Plus 1 AU card.

 

 

Message 6 of 9
Aim_High
Super Contributor

Re: how many more credit cards - current standing at 36 cards!

Others on My FICO report dozens more than 56!
You're probably in the "average range" here! 😜

*See this link:  " ... I  have 91 open credit cards right now ..."

There are others who prefer simplicity and quality over quantity. Unless you're doing it for the fun and hobby of it all, everyone reaches a point where managing many cards becomes too much of a chore, whether it's five cards, fifty cards, or 500 cards! If you're having fun and it's not yet a chore, thousands are possible! 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$898K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 9
Thomas_Thumb
Senior Contributor

Re: how many more credit cards - current standing at 36 cards!


@GetMeSlick wrote:

Just a post to see how many is too many for us?Smiley Happy

Currently, I have 36 cards. Plus DW has 20. Overall 56!Smiley Very Happy

 

How many more can I go?Smiley Wink


You have more than enough. One for each day of the month is sufficient. Time to shed 5. Obviously DW has a ways to go.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 8 of 9
Citylights18
Valued Contributor

Re: how many more credit cards - current standing at 36 cards!

I'm a fan of a thick credit file but only so many cards can help you.

Official travel point totals as of 12/26/23 (1,382,693 Total Points)
Chase Ultimate Rewards 661,525 | IHG One Rewards 144,443 | Hilton Honors 143,801 | AMEX Membership Rewards 102,729 | World of Hyatt 90,413 | Marriott Bonvoy 65,343 | Citi Thank You 62,712 | Wells Fargo Rewards 33,652 | Southwest Rapid Rewards 28,105 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,661 | NASA Platinum Rewards 1,883 | AA Advantage 1,744 | Navy Federal Rewards 792 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Lowes Business Rewards 6,992 ($69.92) | Amazon Rewards 475 ($4.75) | Discover CB 499 ($4.99)
Message 9 of 9
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