The 24 Credit Cards...
 

The 24 Credit Cards In My Wallet Right Now

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Posts: 685
Diamond
(@randy-2)
Member
Joined: 5 years ago

Perfect Credit Scores are either 850 or 900 depending on the agency.
I assume you have a mortage and maybe a car payment with all the credit checks you must have. While at those same levels as you, it is impossible to raise it when you have do debt or loans.


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Posts: 621
 Nate
(@Nate)
Joined: 9 years ago

I'm surprised you don't have a Chase United card.

Do you have multiple Platinum cards like the FM guys do?


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1 Reply
(@iamhere)
Joined: 10 years ago

Posts: 1954

I think because Ben values Air Canada loyalty.


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Posts: 83
Diamond
(@baliken)
Member
Joined: 5 years ago

What are our options if we don't have access to these cards?


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Diamond
(@mike-c)
Joined: 5 years ago

Member
Posts: 392

Use the thought process Ben's outlined, and apply it to whatever cards are available to you. In many other places, the credit card environment is less complex.

@Timtamtrak, I've tried to avoid unnecessary spaces.


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(@iamhere)
Joined: 10 years ago

Posts: 1954

Start with lower options that are easier to get to build your credit and your history such as the Chase Flex or the Chase Unlimited.


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Posts: 1954
(@iamhere)
Joined: 10 years ago

Surprised you don't have the Amazon card, if you are a prime member, and the Chase Freedom Unlimited card.


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Posts: 1954
(@iamhere)
Joined: 10 years ago

Many of the cards you mentioned you don't use often or spend much on but are keeping as they have no annual fee. Some of the cards have become worse overtime such as the Chase Freedom Flex with the type of categories that are offered and how specific the categories have become. Many of the cards that you hold the benefits overlap and the details do matter as they differ for each card such as lounge access. If you get the benefits also depends how you use the card, where you are based, and your lifestyle. Being near a AA hub means that you value the AA lounge access, for example. I also think it is important to keep in mind that having so many cards works for your lifestyle given that you are always in different branded hotels and on various airlines and you spend time to play the game of keeping track of the benefits. Many readers probably have a simplier strategy with 2-4 cards.


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