How many credit cards do you guys own? is there ideal number of credit cards for an individual? Currently I only have CFU + corp , and thinking of applying for CSR.

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Posting as :
works at
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Each card has its own utility.

Wells Fargo =Cell phone bill for free insurance in case phone gets stolen or damaged
CSR = eating out and travel
Amex: Groceries and gas
SPG = Hoteling at Marriott/Starwood properties
CF & Discover: 5% rotating categories
Citi: Online stuff like Netflix
Amazon: self explanatory
CFU: non bonus spending for UR points

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I have 2 cards that fell between the seats of my car that I haven't bothered to retrieve.

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Its more how much you have available and how you use it. Having 20k available and using 14k is not good= likely low score. Having 100k available and using only14k is good usage = likely higher score.

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I have three, and only use one. I like tracking all of my spending in one place.

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C in all stands for Chase.

F = Freedom
SP= sapphire preferred
SR = sapphire reserve
PRG = Amex premier rewards gold card

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Corp card doesn't count towards your credit score so it doesn't count. Just be mindful of how frequently you own cards. If it's been awhile, then go ahead

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6 or 7

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Wow do you guys use all of them or just ignore old cards? I actually do have 1 more CC that i used in college (about 7-8 yrs old) which I just ignore and don't use since its from a local bank. So it seems like the number of cards you own is not the matter rather the number cards you open in a given period is more important? (i.e not opening too many in short time?)

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I use 1 frequently, 3 not as often, and don't use the other 2. Credit score is 750ish and I the only thing not keeping it from going higher than that is the age of my lines of credit.

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0

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Oh wow. Thanks!

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Like 10. Well over 100k in available credit. Build em up!!! Takes money to make money.

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CSR, CSP, CF, CFU, AmEx BC, SPG, Amazon, Wells Fargo, Citi DC, Discover

CSP, CF, PRG, amex plat, delta plat, amex Hilton reserve, SPG, discover, citi Hilton and maybe 1 or 2 more.

I have 3. 75k limit pretty evenly across all 3. But credit cards are like PA, it's all about utilization.

Four - $50,000 in availability. My utilization is about 1%. I always pay my balance off before it closes. 24 years old.

What are all these acronyms? 😩 all I know is CSR. What's CF, CSP, PRG, CSR

I have one. But al also an associate with no debt aka just building my credit

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