Do I have too many retail/store credit cards?

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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Location: New York, NY

Postby randeman » Sun Jan 06, 2013 1:52 pm

Reminds me years ago when I first "discovered" credit cards--I had a gazillion store cards. I think I had about 20. I was all about "labels" then, and I could get them. I had cards from stores I wasn't within 100 miles of, and some that I wasn't within 1000 miles of: Bloomingdale's, Macy's, Saks Fifth Avenue, Bergdorf-Goodman, I Magnin, Bullock's/Bullock's Wilshire; low-end stores like JC Penney and Sears--I had them by the ton. Never used half of them, but I had them!

If you can use them judiciously, they shouldn't hurt.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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Postby jrv » Sun Jan 06, 2013 4:18 pm

Nice randeman. I remember opening store cards just to get the 10 - 20% discount they would offer on new accounts. If there was a department store in existence, you can bet I had their credit card. I would pay off the balance as soon as I received the bill so I would never have any interest accrue.
AMEX Platinum NPSL, Member Since 92
AMEX Blue 15K
PenFed 11K
PNC Visa 20K
First National Bank Omaha Platinum Visa 25K
Citi Simplicity 11K
50K Total

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Postby Calipso » Thu Jan 24, 2013 2:56 pm

Store cards are utterly pointless with so many good rewards cards out there.

Exceptions to the rule:
-Target Red Card
-Target Red Debit Card
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

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