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How many credit cards do you have?
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Date: July 10th, 2026 1:13 PM Author: Brilliant Vivacious Love Of Her Life (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990862) |
Date: July 10th, 2026 1:13 PM Author: Idiotic Multi-colored Goal In Life 1 (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990863) |
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Date: July 10th, 2026 1:21 PM Author: Excitant shivering public bath 4 (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990899) |
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Date: July 10th, 2026 1:36 PM Author: Brilliant Vivacious Love Of Her Life what purpose does each serve? (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990937) |
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Date: July 10th, 2026 2:17 PM Author: Excitant shivering public bath dividing business and personal expenses / accumulating awards (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991055) |
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Date: July 10th, 2026 1:23 PM Author: know-it-all box office selfie Zero. Not flame (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990903) |
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Date: July 10th, 2026 1:24 PM Author: Amber Awkward Range 3 plus an Amex but I have no idea where two of them are. Some drawer I guess. Too lazy to cancel them. (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990904) |
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Date: July 10th, 2026 1:36 PM Author: Brilliant Vivacious Love Of Her Life why multiple? (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49990940) |
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Date: July 10th, 2026 2:06 PM Author: Fucking Fuckface 2 (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991008) |
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Date: July 10th, 2026 2:10 PM Author: Brilliant Vivacious Love Of Her Life why more than 1? (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991022) |
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Date: July 10th, 2026 3:19 PM Author: Fucking Fuckface One is a legacy card that has no foreign transaction fees. Unsurprisingly, I use it abroad. It's also a VISA, so I can use it at Costco
One is my primary card in the US that does charge foreign transaction fees. Unsurprisingly, I use it as my primary card in the US and do not use it abroad. It's not a VISA, so I cannot use it at Costco
I don't pay an annual fee for either (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991200) |
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Date: July 10th, 2026 2:08 PM Author: indigo fanboi immigrant like 8 but 2 get used almost exclusively (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991012) |
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Date: July 10th, 2026 2:10 PM Author: Brilliant Vivacious Love Of Her Life why so many? (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991021) |
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Date: July 10th, 2026 2:11 PM Author: indigo fanboi immigrant opened over the years, never canceled them. probably should (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991029) |
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Date: July 10th, 2026 2:12 PM Author: Brilliant Vivacious Love Of Her Life just to get the bonuses? (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991031) |
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Date: July 10th, 2026 2:18 PM Author: indigo fanboi immigrant no i did that when i was 21 but all the good ones had fees so i canceled those at that time
here's what i have
citi double cash - primary workhorse
costco visa - 4% cb on gas, 3% on restaurants, and also used at costco obviously. no foreign transaction fees. great card
amex blue cash - first card i opened in college, never use it but there for nostalgia's sake. and also one time i lost my wallet in nepal and amex was the only 180 company that gave me a cash advance immediately to get my bearings.
amex delta - this one should be canceled
capital one quicksilver - used to use this before i got the double cash. also no fx fees, decent card, should probably cancel
crate and barrel visa - i got like 2k worth of rewards from this when i bought a bunch of furniture, should cancel
chase sapphire reserve - fees are a bit too high now, will probably cancel next year
chase ink business - company card (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991056) |
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Date: July 10th, 2026 2:15 PM Author: Racy Magenta Associate Dysfunction it's better for your credit to keep them open, my friend (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991043) |
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Date: July 10th, 2026 2:21 PM Author: indigo fanboi immigrant true but also doesn't matter when you get older and have enough revolving limits. just for administrative expediency it's better to have only a few imho (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991063) |
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Date: July 10th, 2026 2:38 PM Author: ocher bonkers dopamine coldplay fan Not just for the total credit limit. Credit score also values length accounts have been open heh heh (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991115) |
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Date: July 10th, 2026 2:09 PM Author: Dashing Gay State Indirect Expression 0 (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991014) |
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Date: July 10th, 2026 2:14 PM Author: Vigorous Resort debt=poison (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991037) |
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Date: July 10th, 2026 2:16 PM Author: Racy Magenta Associate Dysfunction like 10, from when i used to churn. keeping them open helps your credit score, not that i need credit for anything anymore (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991048) |
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Date: July 10th, 2026 2:22 PM Author: Brilliant Vivacious Love Of Her Life churning seems like such overkill for, what, like a thousand bucks a card at most maybe
thinking about opening a second just for a nice offer since i'm making a big purchase soon and will hit the minimum spend requirement easily but even then my instinct says why sully myself with this prole goy complex just for like $1k (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991069) |
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Date: July 10th, 2026 2:24 PM Author: Idiotic Multi-colored Goal In Life imo there are no more good offers at all anymore (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991076) |
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Date: July 10th, 2026 2:30 PM Author: Brilliant Vivacious Love Of Her Life chase business ink is offering $1k rn. best i've seen in a long time on a no-fee card. (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991092) |
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Date: July 10th, 2026 8:28 PM Author: Demanding Abode Mental Disorder Sapphire preferred is 100k bonus rn on $5000 spend in 3 months.
Ideally you're getting cards where the benefits come out in your favor every year no matter what. (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49992037) |
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Date: July 10th, 2026 3:53 PM Author: Racy Magenta Associate Dysfunction yeah, i said used to churn. dont have time w kids to keep up w this shit. easy to miss payments bc u forgot to set up some card on autopay, and it's just more mental effort to keep track of it all (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991291) |
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Date: July 10th, 2026 3:42 PM Author: Demanding Abode Mental Disorder I have something like 10 and like 5 with fees. Obviously I don't run balances but yeah, I use CC benefits/points all the time. About to get 100k points for Sapphire Preferred. (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991256) |
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Date: July 10th, 2026 3:14 PM Author: Charcoal Area Three. One for airline status. One for the best rewards. One corporate card. (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991193) |
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Date: July 10th, 2026 3:53 PM Author: gunneratttt (gunneratttt) I don't think corporate card should count for this? (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991288) |
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Date: July 10th, 2026 3:16 PM Author: aromatic giraffe pozpig citi double cash chase freedom unlimited (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991198) |
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Date: July 10th, 2026 3:36 PM Author: Marvelous abusive rigpig 1, which is kind of irresponsible.
If your one card gets declined for whatever reason (technical glitch, actual or suspected fraud, etc.), you can find yourself in tough shape. (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991239) |
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Date: July 10th, 2026 3:52 PM Author: gunneratttt (gunneratttt) 3. Costco's, CSR, and Southwest (canceling, just used for the sign up bonus). (https://xoxohth.com/thread.php?thread_id=5881481&forum_id=2#49991283) |