How many credit cards do you have and what’s their combined credit limit?

Personal finance

Here’s my contribution to JLP’s Question of the Day Marathon:

How many credit cards do you have, and what’s their combined credit limit?

We have three: two Citibank Dividend MCs and a Visa from our credit union. We use the first two, serially, to get up to $600 cash back each year (since there’s a $300 reward cap on each one), and the third for when we’re outside the US, because it “only” charges Visa’s 1% foreign transaction fee for purchases made outside the country. (The Citibank cards charge 3%.) Total credit line for the three cards is over $34K, which I find pretty ridiculous since that represents an unhealthy chunk of our post-tax income. Apparently, though, having a low credit utilization positively impacts your credit score, something I didn’t know ’til I did a bit of research for this post.

Now it’s your turn. And thanks in advance for sharing and reading!

Update: Interesting how many responders don’t use/own credit cards. MyFico has some and lists the average number of credit cards at 9!


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[…] Day 04 Experimentsin Finance – How many credit cards do you have and what’s their combined credit limit? […]

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» Final Question of the Day on Consumerism Commentary: A Personal Finance Blog

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[…] How many credit cardsdo you have andwhat’s their combinedcredit limit? […]


I have too many to count… I think it is around 15-20 cards with a limit around $150,000.



Two, Discover and MC, but I don’t know what their limits are. The interest rates are 25% and 14% respectively, but I’m no longer using them. I also have 3 debit cards and just applied for an Amex so I can get the rebates.

Lazy Man and Money

I have 4 credit cards, with about $30,000 in available credit. I always keep them paid off and only use them for the rewards.

My Money News » Blog Archive » JLP’s Question Of the Day Marathon

[…] Day 04 Experiments in Finance: How many credit cards do you have and what’s their combined credit limit? […]

Empty Spaces

I have about 9 cards, but i only use 3 of them.
my total balance is probably around 70k. on the three that i use its 42k.
my total outstanding balance is $1011.00 its at 2.99% for life and i’ll pay it off over the 2 years!

i also have 2 biz credit cards that i use for biz purchase with limit of 6k on each.


Old blog item, but wanted to chime in:

Total of 7 cards with total of 76K limit

2 cards are never used, 3 are rewards cards for different types of purchases that I use all the time, and two are for 0% balance transfers to gain free interest (I’ll payoff and ditch the latter two cards as soon as the promotional period is over)

I’ve never had more than $4k debt combined at any one time (excluding the 0% balance transfer debt, which just stays in the bank anyway)

Random Guy

about 15 (need to get rid off them soon!) … and CL $60k and about 5.6K loan balances in 0-4% fixed rate. I have completely moved to using Charge cards. Now i actively use only one AMEX plat, and a United Miles Visa.

Credit Lisa

I have 3 credit cards and they give me about $10 000. I cann’t imagine people having up to 10 credit cards!

Question of The Day Marathon Entry 16 by No Credit Needed

[…] Experiments In Finance […]


1. Capital one –> limit=$600, Balanace=$0

2. BOA VISA –> limit=$700, Balance=$0

3. BOA VISA –> limit=$7500, Balance=$3500

4. AMEX GOLD –> limit = nolimit

5. Z-GELLERY CARD –> limit =$2500, Balance=$0

6. Macys –> limit $600, Balance=$0

Total CL =$11900, Balance=$3500

Question: When the credit unions calculate available credit against the total credit you have, do they count the utility cards (like macys etc ..) as a part of your available/total credit too? just like a regular chase of a bank credit card?


Is this bad? I have 7 credit cards and im only 22.
1. Dell with a 3,000.00 limit
2. Capital one with a 500.00 limit
3. Imagine with a 350.00 limit
4. Dillards with a 300.00 limit
5. Victorias secret with a 600.00 limit
6. The buckle with a 300.00 limit
7. Maurices with a 150.00 limit
A total of $5200.00
My question is is that too many for a 22 year old who just graduated college and now has student loans to pay for and is planning to get married in october and has to pay for most of the wedding also we are planning to have a baby in like a year.

meet the eye

3 years ago i started with a 500 CL. currently i got six, listed in order of frequent use:

Amex Clear – 25000
Amex Blue – 25000
National City Visa – 6750
Chase Freedom Visa – 5000
GAP Visa – 1500
Chase Platinum MC – 7500

current total limit is: $70,750
however, I only use like 2500-3000 a month, and pay them in full every month (never charged with interest). could have used cash but these card give me cash backs or other rewards.

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I have 9 credit cards:

Citi PremierPass Mastercard $8,500
AMEX Blue $5,500
Capital One Platinum Mastercard $4,500
Discover More $2,000
Bank of America Platinum Plus Visa $2,000
WAMU ESPN Visa $2,000
Orchard Bank Platinum Mastercard $2,000
Dell $1,500
Jared $6,500

Each card has a zero balance (never carry a balance) and is in good standing


I just graduated college and have hold four cards since the start.

AMEX: $15k
Citi Dividend: $15k
Discover: $1800
BOA: $3000

Never carried a balance, and am looking in to applying for business card for a new venture.

Debt Advice

Sometimes the key is writing this down to realisign how much debt you have.


I currently have 17 cards. I know, its a stupidly ridiculous number, but, I get attracted to them some how with there features. Here it goes:
1. Citi American Airlines- $58,000 (This is my baby, I use it ALL the time. Regrettably it has a never diminishing balance :()
2. American Express Delta Skymiles- $8,000 (Use when I have to fly Delta, thats the only time.)
3. Barclay L.L. Bean- $2,500
4. Chase Freedom- $45,000
5. PNC Visa- $15,000 (Use as a backup to the Citi AA card)
6. Macy’s Visa- $5,000
7. Shell Oil Mastercard- $1,500
8. American Express Hilton- $17,000 (Never use, dont like Amex)
9. Chase Disney Visa- $1,000 (For the kids at disney)
10. Discover- $6,000
11. BOA Visa- $70,000 (My first card, have never carried a balance)
12. Chase Starbucks Visa- $500
13. Kroger 123 Rewards Mastercard- $1,500 (For buying gas at Kroger)
14. Wachovia Visa- $38,000
15. National City Visa- $6,100
16. National City Travel Visa- $8,000
17. Bank of America APR Accolades Card- $625,000!!! (If my Citi AA card was my baby, this is my wife!!! I love this card. I am a loyal BOA cardholder and am proud of it!!!)
Currently have $156,746 in debt. Too many first class tickets, limos, and suites when I travel. Company doesnt pay for anything but the bare minimum. I will use my yearly $65k travel allowance to pay this down some. Transferred all of the balances of the other cards to the BOA accalades. It will get better soon. I just dont want to take a line of equity out of my house.


Citi PremierPass Mastercard – $17,600
AMEX Green – No preset limit
Citi Sears Gold Mastercard – $8,000
Citi Forward Visa – $5,100
Chase Freedom Visa – $5,000
HSBC Rewards Mastercard – $5,000
Capital One Platinum Mastercard $4,500
GFCU Visa – $4,500
RBS Kroger Mastercard – $4,000
Bank of America Platinum Plus Visa – $4,000
Discover More – $3,000
Orchard Bank Platinum Mastercard – $2,350
Ann Taylor Mastercard – $1,500
Ann Taylor Loft Mastercard – $1,500
New York & Comapny Mastercard – $1,500
Old Navy Visa – $1,000
Walmart Discover Card – $1,000
Macy’s Star Rewards Card – $500

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