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Reply to "How many credit cards do you have?"
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[quote=Anonymous]AmEx and Mastercard. Costco Amex which gives us cash back once a year. Mastercard because AmEx isn't accepted everywhere. Also have a few store cards for the rewards - J Crew, Talbots, Gap. As I understand it the credit score depends on the difference between your credit limit and your balance so it's not bad to have more cards as that increases your credit limit amount. I find it annoying because we have high balances but pay it off every month. But the credit report will show that we owe $6,000 or whatever we've charged that month and it will be a mark against us. It doesn't seem to factor in that we pay in full. I have thought about getting another card just to have a higher credit limit. [/quote]
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