How many Credit Cards do you have???

[Baked]

Originally posted by: sil3nt t0rnado
0...I got denied by Citi student card, Chase (with my dad as a co-signer), and I recently applied for a Chase +1 card. I'll probably get denied again (I'm a freshman in college...no credit..etc ) What's the point of student credit cards when a student can't get approved for it?

Having a job greatly increases your chance of getting approved for a CC. At least that's my experience. I have a personal savings acct. that's under my name since 16, got my Citi CC when I turned 18. Been working since 15, was never unemployed.

 

[Armitage]

3 - though I expect one of them to get canceled soon since I haven't used it in years.

 

[sswingle]

2

 

[mugs]

More than 5, most are in my fire safe. Off the top of my head I can think of... 10 or so.

I don't carry a balance on any.

 

[erub]

5, no balance on any

 

[txrandom]

Originally posted by: sil3nt t0rnado
0...I got denied by Citi student card, Chase (with my dad as a co-signer), and I recently applied for a Chase +1 card. I'll probably get denied again (I'm a freshman in college...no credit..etc ) What's the point of student credit cards when a student can't get approved for it?

I applied for the Platinum Divend and MTVu Visa cards from Citi, and I got accepted 2 days later with no co-signer. I don't know what made me get approved over you, this is my first card.

 

[blackdogdeek]

2

amex blue
529 plan MC (for daughter's college fund)

 

[txrandom]

Originally posted by: Pastore

Originally posted by: sil3nt t0rnado
0...I got denied by Citi student card, Chase (with my dad as a co-signer), and I recently applied for a Chase +1 card. I'll probably get denied again (I'm a freshman in college...no credit..etc ) What's the point of student credit cards when a student can't get approved for it?

Your parents must have seriously farked up credit. Isn't that the only thing they go by if you have no credit?

That's what I'm thinking.

 

[mad0maxx]

No credit is worse then bad credit actually...

 

[zoiks]

Originally posted by: cubby1223
I have 7 to my name, but I know I need to cancel several of them. I've tried in the past to cancel, but am on hold for like 10+ minutes waiting for someone on the phone, then I just screw it and hang up.

If you do not have any balances then I would recommend that you do not cancel them. You will get a hit on your credit report otherwise.

 

[CellarDoor]

3. One of them is a mastercard that my dad pays for. I use this one to pay for books and food. I have my own mastercard and my own discover card.

 

[zoiks]

I have 4 cards. I just use one to rack up my airline miles. I spend ~ 2500 on it every month. All purchases are paid off the next day online.

 

[thegimp03]

2 that sit in my wallet. I have 2 others to my name though but aren't used.

 

[igowerf]

I have three:
Amex Starwood
Amex Blue Cash
Chase Amazon Visa

I'm trying to slowly phase out my Amex Blue Cash and use the Starwood, but I have a couple bills and a few extended warranties still on the Blue.

 

[Brainonska511]

1, but I'm only 18.

Citi Dividend Platinum Select Visa

 

[BornStar]

Originally posted by: zoiks
I have 4 cards. I just use one to rack up my airline miles. I spend ~ 2500 on it every month. All purchases are paid off the next day online.

Can you explain to me why you would pay your credit card off the day after a purchase?

I have two, a Discover Platinum and a Chase Perfect.

 

[mugs]

Originally posted by: BornStar18

Originally posted by: zoiks
I have 4 cards. I just use one to rack up my airline miles. I spend ~ 2500 on it every month. All purchases are paid off the next day online.

Can you explain to me why you would pay your credit card off the day after a purchase?

I have two, a Discover Platinum and a Chase Perfect.

Yeah I was wondering the same. Maybe he means the day after he gets the statement? At least one of my CC companies will only allow 4 online payments per month.

 

[BornStar]

Originally posted by: mugs

Originally posted by: BornStar18

Originally posted by: zoiks
I have 4 cards. I just use one to rack up my airline miles. I spend ~ 2500 on it every month. All purchases are paid off the next day online.

Can you explain to me why you would pay your credit card off the day after a purchase?

I have two, a Discover Platinum and a Chase Perfect.

Yeah I was wondering the same. Maybe he means the day after he gets the statement? At least one of my CC companies will only allow 4 online payments per month.

I know one of mine allows me to make payments ever 3 days. I feel it's best to wait until the last possible moment to pay the card of. As soon as I get my bill I set up a scheduled payment online to pay it off on the due date. That way I don't have a problem with forgetting.

 

[MidasKnight]

0

 

[rikadik]

None... but I have two £1500 interest-free overdrafts, and one of them is maxed out.

 

[EngenZerO]

eleventy billion

 

[zoiks]

Originally posted by: BornStar18

Originally posted by: zoiks
I have 4 cards. I just use one to rack up my airline miles. I spend ~ 2500 on it every month. All purchases are paid off the next day online.

Can you explain to me why you would pay your credit card off the day after a purchase?

I have two, a Discover Platinum and a Chase Perfect.

Just so that I don't forget about it. I just log on to the BofA site and pay it off. Funny that their payment system allows you to pay any sum you want at anytime regardless if you have a balance or not.

 

[Aquaman]

I have 2 1 Visa and 1 MC

All I will ever need........ although I am tempted to get the Amex Costco Card

Cheers,
Aquaman

 

[bobsmith1492]

None, just a debit card - all the benefits of a credit card.

 

[mjh]

One credit card is more than enough for me.