Whats your credit card game looking like?

[LezJepzin]

Had two before the Summer. Now I have five

Capital One Platinum Card
Capital One Quicksilver Card

This Summer I got
Capital One Venture One Card
Citi Double Cash Card
Discover It Card

Trying to stay around 30 percent utilization for all five . So far , so good.

 

[ViShawn]

I got

- Chase Sapphire Reserve
- Chase Freedom
- Chase Ink Preferred
- AMEX Platinum
- Synchrony Carcarone

I need to get an "everyday" card so I may apply for a Chase Freedom Unlimited. Don't really use my Chase Freedom much but I should.

Also need to see if I can get some credit limit increases. I have a 800 Equifax score now and long relationship with Chase so I should.

 

[BaldingSoHard]

Amex Blue Cash
Amazon something
Best Buy something

 

[Lord_nikon]

Got a black magnises card

 

[KENNY DA COOKER]

I ran through that lil Fifteen Hunnin

Citibank fronted me

They just raised my credit limit

We talking 3 G's

 

[KENNY DA COOKER]

We only dealing with straight cash. Hell we look like borrowing from another man. Calling up the credit card company to request a credit line increase on some, "can I borrow some more money, daddy?"

This n1gga still cash his Paychecks at the Liquor Store

 

[DrDoom]

Amex blue cash, limit just upped to 33k
Green Corp amex card
Santander Mastercard 7700
My banks credit card 11k

Only one with a balance is the top, 5k

 

[BaldingSoHard]

Got a black magnises card

Hilarious.

 

[TheHNIC]

Chase Sapphire Reserve for travel and food
Chase Freedom Unlimited for every day purchases
Chase Freedom for 5% quarterly categories
Chase Amazon Prime Visa for 5% back at Amazon and Whole Foods
Chase Marriott Bonvoy for hotels
Amex Platinum for lounge access, airline fees and some non-Marriott hotels
Amex Delta Gold... never use it anymore but it was worth the 60,000 point bonus and priority boarding
Citi Costco for Costco and gas
Citi Rewards Plus for 0% APR balance transfers when I need it

And a few other cards i don't really use much... I only carry a balance on the Citi card when it's at 0% APR

 

[mannyrs13]

This n1gga still cash his Paychecks at the Liquor Store

When the liquor store closed:

Capital one venture, that's my daily driver and for travel rewards
Capital one venture one, for Netflix
Capital one platinum, for my gym membership
Bank of America, for my amc theatres membership
American Express blue cash everyday, for my universal Studios pass and a few other occasionally recurring purchases
Amazon credit card, for 5% back on Amazon purchases
Best buy credit card that rarely gets used.

About 46.5k limit with all the cards and currently around 2% utilization.

 

[ThisGuy]

I recently got heavy into churning so im always on the look out for good cards. I dont like paying annual fees, so no cards with fees even though i churn enough to offset the cost. I think its the mental aspect of having to pay the fee I dont like.

Uber Visa - Main everyday
Discover it
Bank of America Travel Rewards
Petal Visa

 

[Lv99 Slacker]

- American Express Schwab Investor card
- Barclaycard Uber Visa (Visa Signature)
- Chase Freedom Unlimited (Visa Signature)
- Chase Freedom
- Chase Slate
- Discover It Cash Back
- Bank of America Travel Rewards

I'll get rid of the Slate at some point since I'm not using it. Other than lowering my credit usage ratio, I don't have any use for the Discover or BoA cards either.

 

[Swirv]

Has the card company ever ask you to prove income when requesting a limit increase?

I got

- Chase Sapphire Reserve
- Chase Freedom
- Chase Ink Preferred
- AMEX Platinum
- Synchrony Carcarone

I need to get an "everyday" card so I may apply for a Chase Freedom Unlimited. Don't really use my Chase Freedom much but I should.

Also need to see if I can get some credit limit increases. I have a 800 Equifax score now and long relationship with Chase so I should.

It’s best to pay the balance off before its due. Usually get a statement before the due date. If you pay in full, then you pay no interest.

If you new to credit start with a Discover IT secured card. If you smart with it itll graduate to a non secured in a few months.

If discover denies you, capital one got a secured card thats easier to qualify for but i dont think it graduates to unsecured. Plus their customer service aint as good as Discovers. If its your only option tho then gotta start somewhere.

If you in college you might be able to get their student IT which is unsecured so you aint gotta make a deposit like a secured card.

After a year of using your unsecured card you should apply for a better card. I wouldn’t get one with annual fees unless you make a lot of money and can come out ahead in the rewards points.

So start off like this

Secured card(discover IT or Crapital One)

Then a decent no annual fee card(us bank cash+, amex cash magnet, amex blue cash everyday, chase freedom, etc)

Visa and MasterCard more accepted than Discover and Amex tho so if you start with discover you might want to find a decent visa or mastercard first instead of the american express.

Citi Double Cash card is a good 2% mastercard with no annual fee, but ive heard their customer service is hit n miss.

Credit agencies look at your credit utilization and age of accounts. So you never want to go above 30% credit utilization. Thats where having multiple cards helps if your card doesnt give you a limit increase.

Example: you need to buy 300 dollars worth of groceries but also need new tires for your car this week. Your first card has a limit of 1000 bucks. Your groceries will put you just under that 30 percent but if you buy the tires on that same card you goin over that 30. But your second card got a 2000 credit limit. So get the groceries on card one, and the tires on card two(assuming they aint expensive and wont cost over 30 percent of that 2000 limit). Pay both them shyts off at the end of the month and you good. Never had high utilization, and paid off so you aint paid interest.

Never ever max out a card. Even if you pay it off that same month it looks bad on you.

I do that already lol

My Discover just got raised by like 5K

I'm tryna get this credit score to 800.

I'm at 780 now

Them balance transfers are CLUTCH. If you got like 2 cards with decent limits and good balance transfer offers like the the discover you can work alot of magic if you are disciplined.

 

[Apollo Creed]

Has the card company ever ask you to prove income when requesting a limit increase?

No. Most just deny you if they didnt already preapprove instantly. From my experience if they want to actually do a credit pull or verification of something you are probably going to get denied. Luckily most CCs let you know before you proceed if they plan on doing a credit pull. Only exception to the rule I have seen is if they soecificallly ask you how much you want an increase of, and even then they usually just approve for what they feel comfortable with.

 

[Mr. Jack Napier]

I only have 1, through my credit union