(Closed) Spinoff: How Many Credit Cards Do You Have?

posted 7 years ago in Money
  • poll: How Many Credit Cards Do You Have?
    1 : (61 votes)
    26 %
    2-4 : (108 votes)
    46 %
    5-7 : (23 votes)
    10 %
    8-10 : (8 votes)
    3 %
    More than 10 : (4 votes)
    2 %
    I don't have any credit cards. : (29 votes)
    12 %
  • Post # 3
    Member
    14656 posts
    Honey Beekeeper
    • Wedding: June 2011

    Victorias secret, Express, Lord and Taylor, Macys, Jcrew
    2 Visa, 2 Mastercard, Discover, Amex

    It started with I thought I should have one of each, then I got a few more for good rewards.  Now I use whatever gives me the best perks for the situation.  I charge everything and dont carry balances either.

     

    Post # 4
    Member
    5667 posts
    Bee Keeper

    I have three. My very first card from Capital One, which I got because I could when I was 18. I keep it because, aside from my student loan, is my longest standing credit account. My second one is credit rebuild card from Orchard Bank that I got to help fix my credit after a 2 year unemployment but it has a low limit and an annual fee. I probably will close it when my credit gets slightly better. The last is Barclay Card I got to “finance” my Macbook for 0%. I’m still trying to rebuild credit and they were willing to give me a good chunk of credit. It’s my highest limit card and really helps my debt-to-credit ratio.

    Fiance… hmm, I think he has two cashback cards (one Chase, one Amex) and a Mastercard through his bank that he doesn’t use. As far as store cards I think he just has a Kohl’s card and a Tiffany’s card.

    ETA: I just voted for me in the poll, not including Fiance. They’re not mine yet. 😉

    Post # 5
    Member
    5797 posts
    Bee Keeper
    • Wedding: May 2011

    Quite a few. I have one Chase card I use for pretty much everything then a Macys, Bloomies, Target, Best Buy, Amex, Continental and Neiman Marcus. Amex because it helps us with concert tickets, Target is 5% off, Continental so I get to use Elite check-in/dont pay to check a bag, Best Buy for 0% financing and the Dept store cards for discounts.

    Post # 6
    Member
    3374 posts
    Sugar bee
    • Wedding: October 2011

    I have 5. I love, love, love the perks. Just from charging my final catering bill from my wedding I got back $163 in cash! We put our entire wedding and my engagement ring on credit cards!

    I’ve never, ever carried a balance and I pay my bill in full every month.

    Post # 7
    Member
    2065 posts
    Buzzing bee
    • Wedding: December 2011

    Oh lord, 1 Visa, 1 Mastercard, 2 AmEx, 1 Discover, Victoria’s Secret, and Robbins Brothers. Have a combined credit limit of about $30K, but currently only have a balance of $3K from the wedding, should be paid off soon.

    Post # 8
    Member
    1415 posts
    Bumble bee
    • Wedding: November 2011

    Just 1 to build credit and front work related purchases. 

    Post # 9
    Member
    8738 posts
    Bumble Beekeeper
    • Wedding: September 2011

    I have 4, soon to be 5.

    I have our joint US credit card

    My US credit card

    Banana Republic Card

    Saks Card

    (All cards paid off in full every month, not all of them used every month).

    I’m waiting on our joint UK credit card (DH already has one)

    I would get rid of my personal US card, but it’s tied to my 200,000 airline miles so I’ll keep it for now.

    Post # 10
    Member
    9029 posts
    Buzzing Beekeeper
    • Wedding: June 2011

    I have one real credit card which is VISA, I got that to build my credit and then I have a Kohls card which I only got because they pestered me into applying for it while I was shopping and they offered me 30% off just for applying. But I have never used it since that initial purchase.

    I think I may get one more real credit card from like capital one or something again just to build credit, but i never pay any interest on my cards because I pay off my balance in full

    Post # 11
    Member
    10589 posts
    Sugar Beekeeper
    • Wedding: January 2011

    I feel like I have too many, but not as many as some of you!

    I had 2 VISAs – 2 different banks and one inactive (never activated it) HBC card.

    I just recently added a 3rd, pretty sure it’s a VISA that’s joint with Darling Husband.  It hasn’t arrived yet though.

    I don’t carry a balance, but I feel like my 4 plus DH’s non-joint ones get a little excessive.

    Post # 12
    Member
    1807 posts
    Buzzing bee

    I have just one. And I actually do carry a very small balance on it – but only to build my credit back up.

    Post # 13
    Member
    2402 posts
    Buzzing bee
    • Wedding: August 2012

    I have two: Capital One, and then a Macy’s one that I very rarely use. I only signed up for one because when I bought a Coach purse from there a couple years ago, I got almost 30% off.

    Post # 14
    Member
    9824 posts
    Buzzing Beekeeper

    I have one that I keep a minimum balance I pay off monthly just to maintain credit. I cut the rest up years ago.

    Post # 15
    Member
    2849 posts
    Sugar bee
    • Wedding: May 2012

    I don’t have any. I only use my debit card for purchases, because I never wanted to rack up any debt. I seem to have decent credit from paying all my bills on time and paying off the little student loans I had. 

    Post # 16
    Member
    5073 posts
    Bee Keeper
    • Wedding: October 2012

    I have two major cards and a Kohl’s card.

    The topic ‘Spinoff: How Many Credit Cards Do You Have?’ is closed to new replies.

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