How many credit cards can you handle?

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How many credit cards can you handle?

Postby Carmy3 » Tue Jan 13, 2015 11:14 am

For me personally my max is 10. I dont think I could juggle more than 10 credit cards. I do have all my credit cards on my bank account so I can pay them and I could set reminders but it would just be too much for me. What is your max?
capital one quicksilver-10k(everyday), discover it-8k(rotating categories),
american express blue cash everyday-7k(groceries, gas, department stores),
chase freedom-4.8k(rotating categories), citi thank you preferred visa-3.2k(dining)

put away
military star mastercard-10k, usaa visa-9k,
usaa world mastercard-8.5k, military star-4.7k

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Postby nismoZtuner » Tue Jan 13, 2015 12:27 pm

well I have 6 card and it hasn't been an issue yet- I just use my PRG most of the time and have my sapphire card as a backup in case the place does not take amex.

For the other cards there just stored away until they have a purpose.

Discover- rotating categories (gas card ATM)
Marriot- Hotel use
BCE- here and there
BOA- dont really use
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)

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Postby CarefulBuilder14 » Tue Jan 13, 2015 1:19 pm

I don't know what the limit would be for the actual number of cards I'd want. I currently have 6 cards with 5 lenders, and I would be a bit reluctant to have to deal with a 6th issuer. Multiple Amex cards are easy to manage, and I expect the same would be true for Chase or Barclaycard.

I really dislike the fact that I can't link Synchrony Brooks Bros to creditkarma. I don't think I'd want another card that can't communicate with CK.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Postby oldsoldier » Tue Jan 13, 2015 1:48 pm

I have five cards at present and I have had no issues managing them with my smart phone. Seems so easy to pay as you go. I do think that 7 will probably be my limit though.
BoA Cash Rewards $13,000
Chase Sapphire Preferred $14,000
BoA Better Balance $12,000
Amex Every Day $24,000
Discover It $19,000
NFCU Cash Rewards $25,200
Barclay Arrival WMC $10,000
Cap One QuickSilver WMC $7,200
WF Cash back Visa Sig $11,000
Citi Thank You Premier $13,500

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Postby Vattené » Tue Jan 13, 2015 1:50 pm

I have quite a few, but I only use Discover and Amex regularly. I will use my Banana Republic Visa if I get some special rewards offer (I have gotten two good ones in a row) or Walmart if $.05 off a gallon is the best I can get for gas, but other than that Discover and Amex see all my spending.

I started out with Discover for everything, then got the Amex to see how hard it was to juggle two major credit card bills. It hasn't been an issue at all so far, so I would be comfortable adding another card for optimizing rewards while keeping most spending (such as uncategorized and bill payments) between my current primary cards. At this point, I think any cards I add would be for a very specific purpose (i.e. they would see a small amount of spending limited by whether it would earn more in rewards than Discover or Amex), so that would also make me comfortable adding more. Having said that, though, I do like accumulating rewards over a few cards so they aren't spread as thinly.
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

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Postby popamode72 » Tue Jan 13, 2015 2:20 pm

I have quite a few but I don't always use all of them at one time, especially the store cards and some of the cards I'm also able to use as utilization padding too or there is a specific purpose as to why I have them.

Some like Discover, Citi Forward (though my dad has been making purchases on it as an AU), Quicksilver, and the card from Barclays I have in the SD. It still doesn't feel like much to me though I have no desire to have more than 20 cards, even with all the offers that have been coming about lately like the 80k points on the Hilton HHonors Surpass card. I'm even planning to consolidate the limit of my Amex Gold Delta Skymiles card once that's old enough. I love having a lot of options out there with different issuers/lenders and even different card networks just in case something happens though I understand the other perspective on this.

Out of all of these cards, I find myself using Chase cards the most, even way more than Amex cards quite frankly.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Postby Callmedory » Tue Jan 13, 2015 10:59 pm

We (Husband and I) have CSP, Amex Optima Platinum, Amex Costco, USAA MC, macys, JCPenneys, Target, Firestone. I think that's it.

Not hard to track really since we use a homemade spreadsheet, that gets modified as needs change, tracking money in and money out. It has an adjoining table listing the bills, closing date, due date, and date paid, and includes various utilities, mortgage, and such. It helps me track bill-paying, but I check each receipt against statements and follow up with payments being cleared through the bank. Being a bit ocd helps.

While we have a lot of cards, not every card is used every month (that's monitored too), like Firestone was just to get a reduction on tires. That won't be used again, most likely.

Total CL: somewhere over $86,000. I suppose I could ask for increases, but I'm not sure why I would. Nearly everything gets charged, but all bills paid off in full every month. Except mortgage. Cars and student loans paid off--cars are 12 (92K miles) and 9 (34K miles) years old, but are running just fine.

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Postby jeffysdad01 » Wed Jan 14, 2015 5:34 am

Nine is the correct number.

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Postby takeshi » Wed Jan 14, 2015 9:50 am

Carmy3 wrote:What is your max?

Not sure. Currently at 12.

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Postby kcm7 » Wed Jan 14, 2015 10:05 am

The number I'm comfortable with is low: I have two currently, thinking of getting a third. I have a tendency to obsess when I have a lot of options available. Plus, even if I sockdrawer some cards, remembering to check in on the accounts once in a while are just more obligations bouncing around my brain. I know it shouldn't be that hard to manage more accounts, but as long as I'm getting some rewards, I'm happy.

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)

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