anyone here have more then one Credit card?

[Tifababy]

Discover for use at Sam's club
VISA for hotel points (and fiance pays that bill...I try to use this one the most without being caught)
VISA because it came with the checking account at my credit union (don't use much)
VISA because it has 0% APR for 15 months (only 6 months left)
AMEX for most purchases

And it works out nice that two are due at the end of the month and two are due in the middle of the month (not sure when the VISA my fiance pays is due).

 

[dionx]

i've got 5 and each has their use

amex gold - use for everything if i can, from small purchases to bills
amex blue - i use this if i might need to carry a balance on online purchases(APR = 7.99%, my lowest one). i don't carry this in my wallet.
amazon.com visa - i buy from amazon quite often so 3% rebate is nice. strictly used for amazon purchases so this doesn't go in my wallet.
credit union visa - first credit card so my credit history is based on this, i alternate this with my mbna card in my wallet
mbna mastercard - i use this by alternating it with my credit union visa; also use for one time use CC numbers

so basically, two cards always in my wallet - amex gold and either a visa or mastercard

 

[gopunk]

yes, i have about 4... i just sign up for ones with good rewards and don't see a reason to close the old ones.

 

[DaWhim]

mc/visa/discover/amex

I have about 8 cc for now. If I like the look of that card, I apply. if I like the offer it gives me, I apply. it is good when you have established credit with some banks that you may want to get another credit card from them.

 

[freebee]

edited.

 

[thomsbrain]

my limits aren't high enough to just have one card.

 

[Bacardi151]

it's actually good to carry a balance, and then pay it off, that could help you build credit.

on another note, i have more than what i should have, basically because when i first got mine, it wasn't a rewards plan, and i kept getting a handful of others cuz the reward plans turned out like shiet.

but i only use 1 of them.

PS

i dont carry a balance, i just dont think i'm in a rush to build a fast credit score, i rather build it for free over time.

 

[dionx]

Originally posted by: Bacardi151
it's actually good to carry a balance, and then pay it off, that could help you build credit.

on another note, i have more than what i should have, basically because when i first got mine, it wasn't a rewards plan, and i kept getting a handful of others cuz the reward plans turned out like shiet.

but i only use 1 of them.

PS

i dont carry a balance, i just dont think i'm in a rush to build a fast credit score, i rather build it for free over time.

i know exactly what factors determine FICO score, and carrying a balance is not one of them. however one of the factors is the ratio of credit used/credit limit.

 

[Yossarian]

Originally posted by: Bacardi151
it's actually good to carry a balance, and then pay it off, that could help you build credit.

that kind of comment makes me bang my head against my desk.

 

[amol]

i don't have ANY credit cards 🙁

 

[Orsorum]

I have 3, one I got right before I came to college - Visa; a Discover I got two years ago because I wanted a card with a revolving balance; and a Visa I got when I opened up a checking acct with BofA. I will probably get an Amex when I start working full time, and that's all I ever plan on having. I'm not comfortable having three as it is.

 

[HiTek21]

I have 3. Capital One Student card (I'm about to cancel), Sony Card, and the Amazon Platinum.
I started off with my Student card with 200 credit limit but it got moved up to 2500 very quickly then I wanted another one with some type of rewards program so I got the sony card but earning enough points to buy something decent with the sony card is impossible. Then I recently signed up for the amazon.com platinum card to get the $30 gift certificate, but I figured I shop at amazon a lot so I'd earn points quicker this way. I never purchase anything that I know I can't pay off right away.

I also have my company purchasing card but its strictly for business.

 

[Bacardi151]

Originally posted by: Yossarian

Originally posted by: Bacardi151
it's actually good to carry a balance, and then pay it off, that could help you build credit.

that kind of comment makes me bang my head against my desk.

funny, well that's just what both my econ teacher from HS and college professor said, because it shows that you can pay off your debt

 

[Bacardi151]

Originally posted by: dionx

Originally posted by: Bacardi151
it's actually good to carry a balance, and then pay it off, that could help you build credit.

on another note, i have more than what i should have, basically because when i first got mine, it wasn't a rewards plan, and i kept getting a handful of others cuz the reward plans turned out like shiet.

but i only use 1 of them.

PS

i dont carry a balance, i just dont think i'm in a rush to build a fast credit score, i rather build it for free over time.

i know exactly what factors determine FICO score, and carrying a balance is not one of them. however one of the factors is the ratio of credit used/credit limit.

are you strictly saying not carrying a balance or not carrying a balance and paying it off?

and can you give some credentials as to how you know EXACTLY what factors determine FICO score?