How many credit cards should a person have?

ProudMoney - Credit Cards & Personal Finance

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(for business/media inquiries only; unfortunately I do not have the time to offer thoughtful answers to the many individual credit & money questions I get by e-mail --- but I do read them and try to incorporate answers to common questions into future videos!)
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13 июл 2024

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@ProudMoney 3 года назад

Support our channel by choosing your next credit card using one of the card links at: - BEST: www.proudmoney.com/best-credit-cards-on-the-market/ - CASH BACK: www.proudmoney.com/best-cash-back-credit-cards/ - TRAVEL: www.proudmoney.com/best-travel-credit-cards/ - BONUS: www.proudmoney.com/best-credit-card-bonus-offers/ - BALANCE TRANSFER: www.proudmoney.com/best-balance-transfer-credit-cards/ - GAS: www.proudmoney.com/best-gas-credit-cards/ - BEST AMEX CARDS: www.proudmoney.com/best-american-express-credit-cards/ - BEST CHASE CARDS: www.proudmoney.com/best-chase-credit-cards/ - BEST CITI CARDS: www.proudmoney.com/best-citi-credit-cards/ - BEST CAP ONE CARDS: www.proudmoney.com/best-capital-one-credit-cards/ - BUSINESS: www.proudmoney.com/best-business-credit-cards/ - FAIR CREDIT: www.proudmoney.com/credit-cards-for-fair-credit/ - BAD CREDIT: www.proudmoney.com/best-credit-cards-for-bad-credit-unsecured-secured/ (We'll get compensated if you're approved, and we thank you kindly.) Other ways to support this channel: - Use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.) - Get a $25 - $325 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp=68388c1c-9593-48a6-8872-7052db78d937 . NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!

@itsgetnmeza 3 года назад

I'll be sure to support the channel on my next card. 👌🏽

@joey77500 3 года назад

Hey Adam, just the heads up I sent you an e mail last week. Hopefully you got to check it out.

@GIUL7301 Год назад

Never ever use a debit card. I only use my debit card for deposits. Your credit card is protected against fraud. Debit cards are not. Always pay to 0 end of each mounth which I've done since 18 years old. I'm 66 now. It's easy when you have a budget. MAKE A BUDGET. Don't spend $ 2,500.00 dollars a year at Starbucks. Stay dept free my friends.

@gariejoyce5263 Год назад

I learned that the hard way years ago. My debit card is now only use for deposits, and withdrawals . My debit card issue did get resolve, but it took a little while to get my cash back

@sleepnaught 11 месяцев назад

Thankfully, I learned that lesson second hand. Saw my mom lose a solid chunk of change from a stolen debit card. I got rid of my debit card, simply don't need it. CCs are the way to go.

@hypnoticz9 3 года назад

I have a credit card each with Discover, Citi, Bank of America, Chase, and 3 cards with Navy Federal. To me it’s about building relationships with these banks.

@soplas0104 2 года назад

Wow with those credit card you have a excelentes credit

@supra95ful 2 года назад

Nice bro! no amex? for travel

@Surfer041 Год назад

I have Amex Gold. Chase Sapphire Preferred, Venture One MC, and Discover It.

@JimManeri Год назад

They don’t care about your relationship. Your relationship with these banks is they have access to capital and they charge you a lot of money for that access. They will put you on the streets in a second if you would increase their net worth by anything at all.

@BillyBlakeington 9 месяцев назад

@JimManeri I have 2.5 years of credit and I pay in full at the end of the month. $0 I've paid to banks in interest. Legally they can't charge me if I pay in full on time

@DANIEL_eltravieso 3 года назад

As many as you can manage, it all depends on the credit limit of a specific card🤷‍♂️. I have 5 & able to stay in the 2% credit utilization with a near 800 credit score. SO, IT ALL DEPENDS ON THE INDIVIDUAL🤔

@jrdnfla 3 года назад

14 personal cards... in the garden 🪴 until 2022 Started rebuilding credit in 2016

@DomWars9999 3 года назад

I have 10 started garden as well brother

@edgar22452 3 года назад

Goddamn!!!!

@MM-cn6cs 3 года назад

13 here , 2 store cards 5 Visa 6 MasterCard .

@j0epark1 3 года назад

I’ve had 4-6 cards at one point in time. And I tripled those numbers since 😂

@myrontaylor1150 3 года назад

@Profile Name just keep up with the due dates on each card and pay them on time so that you won't be charged a 38 dollar late fee or worse yet after 30 days late they report it to the Credit bureau

@drillgalante8088 3 года назад

@darkwayle is the best

@Jelliott424 3 года назад

Yeah counting store cards I’m in the teens

@j0epark1 3 года назад

@@myrontaylor1150 z

@myrontaylor1150 3 года назад

@@j0epark1 ???

@liztaylor85139 Год назад

I'm working on my credit and have watched 100's of videos. Your channel is so REAL! One of my favorite!

@erickcanogonzalez2764 3 года назад

I will try to watch all the videos or half of the videos that you have made on credit cards I like the way you are explaining how they work.

@Frostyrnb77 3 года назад

I have 11, but I'd recommend 3-5 credit cards for everyone. 1-3 on most spent on spending categories, 1 secure card/1 student card for building, and 1 2% flat rate card for fallback.

@beachn200 3 года назад

I have 14 but only use 2 for most purchases. I use the others every 3 or 4 months for a couple small amount purchases to keep them active.

@DANIEL_eltravieso 3 года назад

Smart move, I do the same. Use the ones that yield back more rewards🤷‍♂️

@irosa77 3 года назад

Same

@geefunk07 2 года назад

I have six, most are cash back, one for every spending category 😇

@cjhan47 3 года назад

I have 6 Cards and boy are those rewards paying off. Vacationing this summer all on points. Feels good to pay nothing for travel and that's 4k that I get to keep in my pocket.

@zachadkins6161 2 года назад

I have 4 cards I run my money through. 46k credit limit combined with them. They fit perfect for my life style. 1) grocery and gas 2) dinning and entertainment 3) drug store and catch all 4) insurance bills and medical bills (points card)

@abay7456 2 года назад

Can you tell us which CC you use for which type of purchase that you've listed above?

@zachadkins6161 2 года назад

@@abay7456 1. Amex blue cash preferred ( groceries and gas) 2. Capital one SavorOne (dining &entertainment) 3. Apple Card (drug store & catch all) 4. This one was a local credit union card. I’ve switch this with the Amex cash magnet ( Insurance and medical bills)

@michaelkim2147 3 года назад

The videos keep getting better and more informative for advanced credit card users. Thank you!

@ProudMoney 3 года назад

Very kind, thank you.

@rogerwalker1266 Год назад

Simple rule, don’t spend what you do not have. That way you will never have debt problem.

@shandradowe4113 Год назад

Thank you soo much..my fat head boyfriend has 8 ..but guess what he can't afford to pay them .. he's very bad with money..I tried to help him but it didn't work..🤨

@andrewguizar555 Год назад

Chandra, now why does he have to be a fat head ??🤣🤣🤣🤣

@edgardorodriguez 3 года назад

16 years credit history 28 credit cards open 820 credit score it can be possible just dont use more than 10% on your credit limit one each card and change them between month.

@arthurhill29 3 года назад

Do banks want to see you use more than 50% of their money that they loan you?

@appollo2624 3 года назад

@@arthurhill29 practically every issuer desires every card to be paid in full every month. Always stay below at least 30% ratio even better if you do below 10%. Just don’t not use your cards. Not using them will get them closed which will hurt bad. Age of credit, your ratio, your credit limit, etc.

@latachia_2981 2 года назад

@@arthurhill29 No, 30% is what they like to see & 10%(or less) is considered the best!

@toniarichardson6909 3 года назад

Great video...very thoughtful and well explained.

@Bshack1987 3 года назад

Currently have 5, look at a total of 8 when my whole plan is complete.

@antoinecharlesdegaulle580 3 года назад

I have been waiting for this video for a while thank you so much ☺️

@kingsboy1828 3 года назад

Fantastic video...great advice as always. thanks

@jloiben12 Год назад

As many as needed. I think a good “minimum” would be 3: one with a good food bonus (ie - Amex Gold), one for travel (ie - Chase Sapphire Pref), and one for everyday spending (ie - Capital One Venture Rewards). There are many, many cards that can be used to hit these. There is no one right answer for any of those categories.

@peppythetruth 2 года назад

I have 9 probably going to stop at 10, my credit scores are Ex-806, Eq-807 and trans-804.

@herman66mi83 2 года назад

Nice concise explanation

@garrymyers8459 3 года назад

Thanks once again proud $. Soon to be ten cards when I get out of Chase prison & acquire Amazon card.

@emmapeel4299 3 года назад

7, try to put one reoccurring bill on each of them but pay off all every month unless I have a sign up bonus to hit first. I have travel cards but have shifted to grocery, etc focused due to last year. Keep a firm discipline of 6 months+ gardening between. Agree that in today’s world credit is especially important. (Good time to take advantage of % interest period if you are starting out and are navigating auto-pay, etc too). I also put my kids on as AUs to help them out.

@Th33Vultur3 2 года назад

I have 5 credit cards and an Amex Green Card. A Chase Freedom Unlimited at $3000, an Apple card at $2250, an Amazon Chase Non-Prime at $2200, an Amex EveryDay at $1000 and a Discover It Cash Back at $3000 and an Amex Green Card totaling $1600 in spending power since I'm new and 3 weeks into having Amex for a grand total of $13,050.

@user1fja98dnaiid 2 года назад

2:55 is why im here!!! Wondering if having many cards from diff banks is a bad thing

@Mike_81 2 года назад

I have 1 bank of America cash rewards Visa.... I'm looking into the chase freedom flex and then maybe just maybe the American Express gold card.

@RedLeo-pf9yo 10 месяцев назад

I got one credit card from each of the four major companies. Gave them each a job, and called it the day. I will have the same 4 credit cards the rest of my life.

@djpuplex 3 года назад

A couple 1. 2% cash back catch all 2. 5% revolving (or two) 3. >2% gas & or grocery category (PNC, Amex venmo ) 4. Travel card

@omniken66 2 года назад

I have 4 credit cards. Two with high limits for big vacations and big purchases, two with medium limits which I use to make smaller purchases such as groceries and other things to get my 3% on all purchases.

@ralphlongmore5194 3 года назад

great info

@tewodrosgebre204 2 года назад

Helpful.

@ekwon4764 2 года назад

A credit card is the best form of payment vs debit card. With a debit card are you leaving money on the table w no rewards. But mainly debit offers no protection and it instantly takes the money out. Listen to any top financial adviser. They won’t let their kids own a debit card

@TheTyson35 3 года назад

Great vid...I normally wait a year and wait for 1 of 2 inquiries to fall off before I apply for another card especially if I am going after a particular credit card 💳...that makes my chances a lot greater when I use this method...currently have 7 which is pretty decent

@thefastforte2854 3 года назад

8 and 1a/u and climbing fast!!! Last yr only had 1.

@onuohafamily 3 года назад

I got 6, currently 3% or greater on all categories I spend on but occasionally 4% depends on rotating categories. Obviously with chase offers, amex offers, rakuten and such there's also more savings there so sometimes I'm double, triple and quadruple dipping rewards from different sources

@donatelloslappafello1108 Год назад

I have only 3 chase cards and it feels like one too many really. I added the amazon prime rewards card just lately because i order from Amazon all the time anyway living in a very rural area with no big stores. I understand the strategy of having 20 credit cards but it just would drive me crazy with all that floating out there and im not a big fan of credit cards anyway, just realize they are like a tool to use (to me anyway) Its really a personal thing like losing weight what works for one person won't necessarily work for another but the fundamentals are the same. Thanks for the video

@SamSung-jv3jm 3 года назад

For me, the issue is how much of a total credit limit I want for emergencies. I was really glad to have all my cards in Dec 2020. I briefly went to work in Dallas and had a situation where I needed to sleep in an extended stay hotel for the month. Because I had enough credit my utilization was only 10%.

@tonya8315 3 года назад

thank you

@be14mi 2 года назад

Late to comment but I am one of those 2 card people that he talked about. I have one Visa card from Chase and one American Express card. I find that having a charge card and a credit card to be very useful to me as I spend through a given month.

@garrettwhitlock8537 3 года назад

Always use a credit card for the protection and rewards. As long as you can handle them and don’t apply for new cards too often you can handle as many as you’d like.

@braskabani8011 2 года назад

Basically one with each bank

@williegarrett7587 2 года назад

Makes sense.

@justocho9090 3 года назад

I have 4 at the moment. I’m waiting for late summer to apply for a chase card to hold 5 cards in total

@naveenthemachine 3 года назад

I currently have 3 soon to be 4 cards. I’ll be good for at least a while...

@andrewblatt296 Год назад

In the UK I have three credit cards amex reward card and two from lloyds banking group a halifax card and a lloyds card which is easy to manage

@elliotsmith1670 3 года назад

I currently have nine cards with five different banks.. I feel like this is a comfortable amount for me and I use them interchangeably for bill pay and some for purchases only... I could probably open up another account if I wanted but I'm afraid I would hit my credit ceiling for my income range, and feel confident with the mix that I have. I keep multiple accounts with different banks because of the various benefits and offers they provide...Gonna hang out in the garden for a while now.

@e92bruh37 3 года назад

Two for me one is chase and the other is the apple credit card

@docsays 3 года назад

Currently i have 9 major credit cards, plus 7 or 8 store cards i opened along time ago. I plan to close 2-3 of the store cards & open 2-3 more major cards & then I should be done. I think 20 combined cards is a bout the max i can comfortably handle.

@marksantucci4230 2 года назад

I think for people who travel on company business you can have what ever the company says so if they say nothing then yeah you can have as many credit cards as you want. but if your paying the bill yeah I would say 3 cards is good. a bank card American Express A Discover card this is whats in my wallet Capital one travel card Venture one 2 Discover 3 American Express cash back 4 Chase Sapphire basic 5. Exxon Mobil charge 6 Citgo charge 7 Macy's American Express

@RedLeo-pf9yo 2 года назад

Ive got 1 of each of the 4 major credit card companies and i gave each one of them a job.

@giggleswithteshanaandbrihanna Год назад

I have Capital One and discover it

@tianzhong3149 3 года назад

5 credit cards all in diff colors lolll, obviously paid off every month, but the number is mainly to keep my utilization low every month, also i don’t have to keep applying in the future, i just rotate them each time i get tired of a color

@beardineric6558 3 года назад

I have 4. Amex Blue Cash, Discover it, Amazon Prime, and American Eagle. Kinda want the JetBlue card to start saving for trips

@outstndn 3 года назад

I wouldn’t get JetBlue. They’re not doing so good

@solomonKachi7000 2 года назад

My limit will be 7. Lucky number. 6 personal and 1 business card.

@renragged 3 года назад

That first bit of advice was really eye-opening for me. I'm going to try to start making purchases with a credit card and pay them off rather than pay for things with my debit card. Not to mention the rewards! I get zero rewards for buying stuff with my debit card. Dang, I've been doing it wrong for so long...

@myrontaylor1150 3 года назад

Now that you learned, go make life more eventful for yourself

@ketogenicknowledge245 2 года назад

I've got 7 cards now with 0 annual fee. I have them all on auto-pay, and only put like $5-$10 on each one. I want a wide and long history of paying on time. Doing this to get the best mortgage rate possible. The main important things are credit utilization and payment history.

@jesseyrichard4611 2 года назад

quick question, if i use my credit cards but pay them off as soon as i can... is it bad? should i be waiting a whole 30 days before paying them off?

@fogrunr5075 2 года назад

@@jesseyrichard4611 Credit reports pull the most recent monthly statement balance on each card. So each month let the statement(s) post, and as soon as it does you can pay it then. You can control your credit utilization % for a card and the total of all cards by how much you allow to post on the statement of each card each month.

@WaterYourSoil 3 года назад

I think 4-6 cards is usually manageable. Once you get beyond 6 you need to be a bit of a Pro and be good with memorizing and prioritizing your due dates and cards.

@sweis12 3 года назад

It depends really. If they are from the same issuer then its not much harder to manage.

@PatrickDKing 2 года назад

Most cards let you request a change in due date. Also you can just pay all of them on the 1st of the month and that will cover everything even if you are paying a few weeks early.

@newbeginnings9457 Год назад

I have over double my income In available credit and can still get more cards! 🤷‍♂️

@thejokerspeaks 3 года назад

I'm keeping it at 12 max, partially because I own a business. I've got 2 cards I want (Wyndham Business, Hyatt), and 2 I'm planning to ditch (Costco, Bus Platinum).

@eddietucker4222 3 года назад

I have 5, all paid in full but I feel like canceling some of them and keeping the best ones with the best benefits and possibly getting one that is really good something like an unlimited card soon.

@grod805 Год назад

I have like 3. I try to find new banks or credit unions that way I don't overdo it with one bank

@DailyThingsInLife 3 года назад

Currently have 6 credit cards with 16k income annually and I don't owe any debt. Better play the game or else you gonna get played by the game

@strawhelyperfectx 3 года назад

Do you mind being asked what your credit score is?

@DailyThingsInLife 3 года назад

@@strawhelyperfectx Transunion 759, 760 with Equifax, and 764 fico score

@strawhelyperfectx 3 года назад

@@DailyThingsInLife oh wow that’s amazing. Are you young? I’m about to get one and I would like advice since I make around that much.

@DailyThingsInLife 3 года назад

@@strawhelyperfectx I am 21 and still in college. You should get the Discover IT secured card if you never have a credit card before.

@ajbalut1470 2 года назад

I agree. I’m 21. Started using credit card 3 months ago. I have two now. Started with Discover it. My credit score went up from 0-700 in just a month. I just treat them as a debit card.

@macgamer1973 Год назад

I had 9. However a long time ago discover denied me. Just recent was accepted by discover for a secured card. decided just keep capital one, avant , discover, self, open sky .

@tequisaholloway1738 Год назад

I have 3 and I think that's two two of many.

@hmoob21stcentury 3 года назад

Just subscribed. How many store retail card should a person have? How many store card do you have? I have 3 store cards + 7 Visa/MC card. 5 year avearge all cards together.

@Th33Vultur3 Год назад

I now have 11 credit cards with physical limits and have $24, 250 in personal cards and $4100 in business credit cards. One is a charge card, the Amex Green card which is no preset limit. I'm good for now. 12 personal and 1 business. I see nothing right now on my radar for at least a few months and possibly a year. I'm trying to get under 5/24 which should be at least in another year or two. If their no annual fee, if you prefer one, put a small charge every now and then to keep it open once every few months even better if a monthly recurring charge and on autopay. In this case, the other 2 and it will keep them open, increase the available credit available to you and your utilization will be much lower and raise your score.

@Garrycamden 3 года назад

I have 5 all are cards for rebuilding credit. Credit is getting better and eventually I'll have 3 really solid cards and dump the rest

@appollo2624 3 года назад

Keep your oldest ones and use every so often. You don’t wanna lower your average age of credit.

@zerokool-2058 3 года назад

I personally have 4.. that’s it for me. All 4 no annual fee.

@myrontaylor1150 3 года назад

Good job

@Shaolin91z 3 года назад

4 for me

@Th33Vultur3 2 года назад

I used to have 7 cards. They all closed down for inactivity and didn't have a credit card for at least 5 years. I went to get a car loan, got denied. My mom offered to put it under her name as a co-signer. My oldest card was over 20 years and 8 months gone forever, but now looking to rebuild my credit by having cards again and using them responsibly. The ones I had previously as well as a past school loan and my most recent car loan is all paid up. I'm looking to look forward and learn from my past. I have 3 cards now, a Chase Freedom Rewards card with 1,500 and after 6 months, its now at $3000. I have an Amazon Chase Card at $2200 and an Apple Card at $2000. That's enough for now. Three credit cards in one year is enough for now since July 2021.

@fogrunr5075 2 года назад

As I'm sure you know by now, just keeping that very first card open forever is a great benefit. Like when your credit report says your longest account is 25 years. But don't sweat it. Soon you'll have a 3-year credit history and then 5 years than 10 years. See if you can get into a credit union. Maybe you have some military in your family, and you can get into it Navy Federal Credit Union. Go to their website and check out the rules.

@Th33Vultur3 2 года назад

@@fogrunr5075 I don't have any military members in my family. I made that mistake once of listening to my mom and stop using my cards including my oldest one opened way back in May 2000. I lost 21 of would be credit history right there. Now at 41 back in 2021 and now 42, starting my credit history somewhat from scratch because the other closed cards still show up on my record. I just have to build on it and not repeat the same mistake twice of not using cards due to inactivity.

@missym2751 Год назад

I wish I known about the 5/24 rule before I max out my card approval. My credit history is a little over 3 years old with a 732 credit score after all the hard inquiry pulls. I decided to get so many card right now so my credit age for each account would be so close together. I have 7 credit cards with a total of 39,400 credit limit from all of them together. I think I'm at my limit of credit card accounts just because it's hard to keep track of how often I use each card and making sure each account is open. I think overall a person should have 4 -5 cards if you don't want to go crazy with so many accounts. one for food, one for clothes, one to use for your child or pet, another for household products like furniture/tv/kitchen products, and one to spoil yourself with. My next goal is to raise the limit on my cards more but it looks like I'm going to have to wait until 6 months to do that. Alsp I want to trade one of my old credit card for a better card but it seems I have to wait 2 more years to do that until then I just do research on what replacement card I should get next

@arielisplanners384 3 года назад

I have 4 in total. 1 secured.

@emphaticman 3 года назад

Have 3 cards, but building net 30 accounts to apply for business credit cards

@stephenwright133 3 года назад

I have 7 total. Each of them have a job. I can’t imagine I would need anymore.

@jamesbaron3775 2 года назад

I am up to 6 credit cards, including the Chase Trifecta totaling just over $100k in limits. I am using anywhere from 1-3% utilization in any given month and sometimes going up to 5ish% but paying it off entirely each month. I really want to get into the AMEX Trifecta as well but think I need to hold off for a bit as I have gotten the entire Chase Trifecta within the last 6 months.

@23majesticblue Год назад

I have 6 credit cards as well, discover it cashback, playstation credit card for my video games, 2 quicksilver cards, and chase freedom unlimited. I recently got approved for the citi double cash. I will have to wait awhile to apply for the freedom flex.

@michaelreid8857 Год назад

Amex is a sweet Company. Space out an application with them to about four months. If your not holding a lot of inquiries, you’ll probably gonna get approved On the odd chance, you do get denied. Wait another 90 days!

@bionicwoman9884 3 года назад

You need at least a backup. So 2 minimum.

@lianalonge1984 2 года назад

As always, great informative video. 👏🏽👏🏽👏🏽 For years I had only 2 credit cards. Now I have: ✅ 2 charge cards ✅ 4 personal credit cards ✅ 1 retail card To complete my array of cards, I have my eye on 3 specific additional personal credit cards and 1 business card. And I treat my cards like cash. I don’t spend what I don’t have. 0-1% CU, $0 balance on all cards, and 14% DTI.

@2remaynSPorter 3 года назад

So I just got into the card game and since Jan I’ve gotten discover it and capital one and I like using my cards but the limits are to low. But I don’t go over 30% and pay it off as soon as it shows a current balance, so I can use them again. My problem is I spend a lot from day to day and find myself checking the app daily. How do I increase my spending amount without hurting my chances at the big Trifecta in 8 months to a year.

@KingGreen78 Год назад

Question:How many cards should one have? Me : yes

@juniorChavez-bb3mw 3 года назад

I have capital one platinum,capital one quick silver,American express everyday preferred,American express Gold card,Citi diamond preferred,bank of America,chase freedom flex,chase freedom unlimited and I thinking about getting one more eather the American Express blue cash preferred or chase sapphire preferred any ideas which one is better?

@Anthony-wp1by 2 года назад

Stay away from Bank of America. I know someone who's both credit card accounts were permanently closed by Bank of America (without any notice) after being 19 years of loyal customer & paying bills in full & in time all these years! This person was out of country with no cash when this happened, so had to go through hell to come back home. Bank of America customer service later said: "We closed them because we can & we don't even need a reason to do so or tell you why?!"

@kolove17 Год назад

True. Be aware B of A

@mladyfire7199 10 месяцев назад

Other banks do this as well

@qves30301 3 года назад

Have 25 open credit cards ... in the process in getting 5 more this year . Just waiting on good signup bonuses

@helenayoung4064 2 года назад

I have five but one is a Credit card builder

@George-nn8ui 3 года назад

I’m buying a small home and will not have a mortgage but I need to use multiple credit cards to pay for septic, well, and electric installation. At 0 apr for 18 months I should have 50 to 75% of the credit cards paid off. Then I should be able to transfer that debt into new 0 apr is that doable?

@sct4040 3 года назад

2-3. Amex, visa, MC.

@jakemicheal8590 3 года назад

I got my credit card 💳 from *carder111* on telegram The guy is awesome and reliable ,most comment on here are bots .. 😳

@Goldie-kw5ju 2 года назад

American Express Discover card Visa Mastercard

@michaelewing1978 Год назад

I have 4 credit cards, 1 Charge card, Tractor Supply card and a Furniture Mart card.

@maritestaylor8458 Год назад

😊😊😊😊😊😊 awesome 😎😎😎😎

@homiedonthateg 2 года назад

Where was this video 3 years ago 😂😂 thanks wise advice 1 every 6 months

@jerrybroughton8793 3 года назад

I have about 10 my 2 highest is 1200& 1150 the rest of my cards are between 500& 700 trying to get my credit better reason so many cards low credit

@luis51785 3 года назад

I currently have 12, plan to apply for a couple of new ones and remove some useless old store card ones. Trying to upgrade the quality in cards that I own

@docsays 3 года назад

- same here. I closed a 2 cards this year. Quality over Quantity

@SFDJMark 3 года назад

The older FICO versions commonly used by mortgage lenders (versions 2, 4 and 5) seem to more severely penalize multiple revolving accounts showing any balances than do the FICO 8 and FICO 9 scores. If someone was looking to buy a house in the not-too-distant future, that would be worth consideration.

@docsays 3 года назад

- very true my fico 8 scores were between 720-750. But when I applied for a mortgage loan my loan officer said they were between 670-700. Still got approved but the lending requirements were much stricter.

@sangove1 3 года назад

I got 6, 2 secured.

@JohnnyK2013 3 года назад

As many as they will give me with sign up bonuses over $500!

@Jelliott424 3 года назад

Yeah not any points or cash back for swipes is just crazy these days

@thegundoctor 3 года назад

4-6 cards? I have like 35 but I pay them in full every month

@phillipdeck933 2 года назад

only problem having lots of cards is I used primarily two cards, the others i just leave open with no balance. I had one closed by bank for inactivity so i feel like I have to force myself to use a card i dont really use to keep active. I , thereafter, decided to keep the two active my 2 percent cashback ones and just let all others go whenever banks wants to. I dont like the idea banks closing accounts when not using them. I dont care anymore.

@Adiscretefirm Год назад

I used to spread around subscriptions to different cards so there would be at least 1 charge per month. Now I have them all added to the Amazon account and put $1 towards gift card balance every month on the never carried ones.

@coreyfuggins2945 3 года назад

I have 3 credits cards today but soon will have 4

@KittyOzzyZiggy3895 7 месяцев назад

And i will go with a credit union

@DalHarpJr 3 года назад

I have a mix of 28 cards. Store cards, American Express, Discover, MasterCard and Visa. And they all serve a purpose...

@DalHarpJr 3 года назад

@DrNoAudio LOL

@jamess4101 3 года назад

Have 23plus cards as well with store cards and anex visa mc but I did 18 or so in 24mos and use everything for different purposes and rewards have to garden a little cause i did not go far chase yet

@DalHarpJr 3 года назад

@@jamess4101 Likewise... I don’t have any Chase cards either! Also, 3 of my 28 cards are business cards.

@arthurhill29 3 года назад

Wow