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[quote=Anonymous]I have 3 Visas through 3 different banks, one through Bank of America (this is my oldest card, used to have BofA checking but closed it when they threatened to charge $5 account maintenance fees but kept the card because of age), one through Wells Fargo (now my primary bank that replaced BofA), and one through Barclays that is an NFL rewards card so I get 20% off NFL merchandise (DH is obsessed with football), a Discover card (my second-oldest card), an AmEx (got it so I could use it at Costco), and a store credit card. So, 5 normal credit cards and 1 store credit card in total.

Is that too many already? I am wanting a Target red card for the 5% discount and free shipping from online for stuff I can't find in my particular store, but I think I have too many cards! I like to spread out my monthly purchases and the statements all close at different times of the month so it is helpful in terms of rotating which one I use at any particular time. Also, I like to keep my credit utilization ratio down by spreading out my charges and having high credit limits on each of them.

FWIW, I never carry a balance on any of the cards and pay them off in full each month. My Discover card now gives me my FICO score on each statement (which is awesome!) and my score is in the 730's. All my cards have no annual fees.

I have no other loans - cars are paid off, no mortgage because we rent, no student loans, no other debt to speak of, so my credit cards are the only "lines of credit" that I have.

So, how many is too many credit cards? How many do you have? Do you have a lot of different store cards?[/quote]

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