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How Many Credit Cards Do You Own?

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Litew8lady Litew8lady 10 years
I hesitated getting one for as long as possible. I had two and now I'm down to one again.
JKe895 JKe895 10 years
One and only one for me. How is it possibly that I have survived with my bad shopping habits, I have no idea.
rawkphish rawkphish 10 years
only 2. AmEx and Visa
BKNYGal BKNYGal 10 years
I have 4..and then a couple of others like Old Navy; Sears; NY&C, etc. The only ones that have high amounts on them are the major ones like Citibank and Bank of America..ouch! I'm paying them off way above the minimum. Once I'm done paying them..that's it for me. I will use 1 and 1 only!! =)
Kelly-O Kelly-O 10 years
I don't have one, and I can say I wish I did. I have no credit history and that's just as difficult to overcome as bad credit, at least from my perspective. After we move next week and I get settled in a new job, I am going to look into starting some credit for myself. If we ever want to be able to buy a house, it's going to be really important.
Fashion Fashion 10 years
Hey gals - thanks for the stimulating responses! Good advice moemarsita; I admire anyone who has the self control to manage their money, especially us shopaholics! It's a daily struggle, but it must be done. xo
sparklemeetspop sparklemeetspop 10 years
Credit cards are essential to building good credit!! It's actually good to have around 5 cards, and they don't have to have a big balance. The only thing is, you have to have the self control. It's important to learn about finance, and starting out early is best. I'm a believer that 16 year olds, if responsible, should start building credit. Credit is not free money, but handling it wisely will save you BIG BUCKS in the long run when buying a car, home, etc. Just my two cents...
atoxicsparkle atoxicsparkle 10 years
I have two...which I have now hidden from myself until I get them paid off, as I'm horrible when it comes to seeing something I want online :rotfl:
nati nati 10 years
two, only when i'm broked..
eBennet eBennet 10 years
I agree, phatE, "why say good for you"? For some people, not having a credit card can mean not having a credit history, which is a negative thing. In college, my boyfriend smartly turned down all the seedy credit card offers that were marketed at students. After graduation though, this became a problem because he had no credit history - he had to pay huge amounts of money as upfront collateral just to get a cellular account with Verizon and he ended up having to get his father to co-sign on a starter credit card with him so that he could start building a credit history - even though he was living on his own and earning a good income! Having a small amount of debt that you are responsible about is not always a bad thing. Also, its always good to have something you can fall back on in an emergency.
musewings musewings 10 years
IMO, it's crazy to *not* use credit like cash. I do it for the rewards, plus it's so much simpler than carrying around wads of bills and change.
ChapstickAddict ChapstickAddict 10 years
I have three. One is a Capital One card that I never use but keep open because it is the card I've had the longest and length of credit history affects your credit score. Then I have a Visa for emergencies and a Citibank Upromise card that I use for absolutely everything. It gives me cash back applied directly to my student loan balance. I pay it off in full every month so I'm just paying down my student loans by purchasing things I would buy anyway.
phatE phatE 10 years
Why say "one good for you" it's not bad to own a credit card and have credit.. It's actually a good thing, just be responsible and pay it off.
DCStar DCStar 10 years
Are we counting bank cards with VISA on them? In that case I've got 4, but because I have two separate banks, and the other credit cards I pay in full each month. I practically never use cash! (But in my defense, I'm using credit like cash)
anaisethenry anaisethenry 10 years
I don't have one yet, but I want to get one that gives me chash back. I usually pay with my debit card anyway, so why not get cash back. I'll pay it off every month, and in the process, I'll build credit history. I agree with Maggie Mae, it's important to live within your means.
grapefruit grapefruit 10 years
I agree with you last couple of girls. I have 2 visas which I rarely use. (one is a Starbucks Duetto card and I earn Starbucks cash with all my purchases, so I use that one if I ever need to use credit!) Also I have a couple department store cards, but I pay them off within a week of using them, so I have never carried a balance on any card within the past 5 years or more. However, I used to be a very bad girl and wasn't able to keep up with my spending. After I dug myself out of that mess, I will never be irresponsible with credit again!
glam-sugar glam-sugar 10 years
I have more than 5 but almost always pay them off in full immediately.
Daisy6264 Daisy6264 10 years
I've 5-I pay them off monthly :)
Maggie-Mae Maggie-Mae 10 years
Two- the AmEx for daily purchaes, which I only use because of the awesome cash back program, and pay off every month. And a MC for emergencies only. I am a big fan of spending only what you have in the bank.
julieulie julieulie 10 years
I have two, an AmEx for daily use and a Visa for where AmEx isn't accepted. I never pay for anything in cash so it all goes on my credit card - I can't imagine how people get by without ever using them! But I always always pay my balance off in full each month so I am definitely fiscally responsible enough to use them.
WhatTheFrockBlog WhatTheFrockBlog 10 years
One. And I never, EVER use it, except for emergencies. I'm not good with money, I just don't trust myself with credit cards. I don't buy anything I can't just pay cash for.
amandasunly amandasunly 10 years
I think I'm too young. And so do my parents. But my friend has one and another friend has about three (but she's sooooo rich, she's had at least one since she was 12).
the-makeup-blogette the-makeup-blogette 10 years
i have citibank..and i use them mostly when i travel or shopping online
wicca_08 wicca_08 10 years
I've Citibank and HSBC (Red edition). I usually use 'em when I'm really flat broke.
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