How many credit cards do you have?
What is the total credit card limit of all your credit cards combined?
What is your credit score?
How much debt do you have on your credit cards?
What is your favorite credit card and why?
| +32 | Non-Competes Banned | 42 | 6m | |
| +31 | ADHD ! | 15 | 2h | |
| +30 | Being Christian in investment banking | 14 | 3d | |
| How do I become Sigma | 15 | 1d | ||
| +19 | Moelis has the cutest Analysts? | 4 | 3d | |
| +18 | Best NYC neighborhood for single 30M | 12 | 4d | |
| +16 | Underage intern, drinking? | 7 | 3d | |
| +13 | Can someone justify why is million written mm or MM? | 12 | 3s | |
| +13 | Secretive vs Universal Prestige? | 7 | 3d | |
| +10 | What are divorce rates in IB? | 13 | 5d |
Career Resources
Get instant access to lessons taught by experienced private equity pros and bulge bracket investment bankers including financial statement modeling, DCF, M&A, LBO, Comps and Excel Modeling.
Based on the highest ranked content on WSO, discussions around credit cards often focus on strategies for maximizing rewards, churning credit cards, and managing credit effectively. However, specific personal financial details such as the number of credit cards someone has, their total credit limit, credit score, amount of debt, or favorite credit card and the reasons for it are not disclosed in the context provided. Therefore, I can't share personal details like the number of credit cards I have or my total credit limit.
If you're looking for advice on managing credit cards, maximizing rewards, or improving your credit score, I'd recommend exploring strategies such as paying balances in full to avoid interest, using cards that offer the best rewards for your spending habits, and keeping an eye on your credit utilization ratio to maintain a good credit score.
Sources: Question For the Credit Guys: When Is A Borrower Over levered?, Anyone Churn Credit Cards?, What happens when you finish paying off your house?, I cant save money, Q&A: Founder/Tech Exec, Former Hedge Fund Research Director, SEAL Team Intelligence Officer, Consultant
How many credit cards do you have? 5.
What is the total credit card limit of all your credit cards combined? $75,300.
What is your credit score? 787.
How much debt do you have on your credit cards? $7,625.
What is your favorite credit card and why? No favorite card.
Why do you carry the debt? Are you at 0% interest? Not judging you or asking about your financial situation, but I'm genuinely curious to know.
I spend $5-6K per month on credit cards and pay it off every month, but last month spent more.
I have 5 cards but only use 3 regularly.
Don't really know the limit since my Amex cards don't necessarily have one.
Credit score is 819.
I pay my cards off in full every couple of weeks, so I have no debt.
Amex Gold I use the most on dining and groceries.
How many credit cards do you have? 11 but I'm looking to cancel 3 this year and get down to 8 if not less. I don't need anywhere near this many.
What is the total credit card limit of all your credit cards combined? $250,000-$275,000 or something.
What is your credit score? Varies 775-825
How much debt do you have on your credit cards? $5,000 at the moment, but only because of a long weekend in NYC. I try to pay it off every month, but if I carry a little month to month I don't stress too much.
What is your favorite credit card and why? Delta Reserve - Free flights, status through spend, lounge access, first class companion pass
Maybe 5-6 or so years ago I got really into the credit card game, reading sites like thepointsguy and trying to absolutely maximize my points earnings and redemptions. It worked out really well for a while, and lead to some cool free vacations, but eventually it got more exhausting than anything keeping up with it all. There was a while there that I was only making $125k a year and had a $300,000+ total credit limit, which I feel probably shouldn't happen, but luckily I was never tempted to ruin my life or anything and now I don't really worry about it. Oddly enough, one of my goals for this year is to cancel a good number of them, but then I just signed up for a new one a month ago before a big purchase to get the signup bonus so I suppose old habits die hard.
How many credit cards do you have? - 6
What is the total credit card limit of all your credit cards combined? - Lower $100ks
What is your credit score? - High 700s to Low 800s
How much debt do you have on your credit cards? - Only the statement balance
What is your favorite credit card and why? - Sapphire
Any advice to improve credit? Mines been around the same for years
Credit is a dumb system that rewards usage, not responsibility. You have to actually have credit cards, long term debt like a mortgage or a car loan, etc. in order to build it up. You can't just pay your bills every month with your bank account and pay off your loans because the credit system doesn't like that.
I have 10+ CCs
$145,000 combined limit (excluding any NPSL) was a hobby of mine to get points.
750s
no debt never carry a balance. Only use 1 card.
I use the CSP.
How many credit cards do you have? 5
What is the total credit card limit of all your credit cards combined? 100kish, I saw a email one got bumped up.
What is your credit score? 780ish
How much debt do you have on your credit cards? under 1k, what ever revolving statement balance is
What is your favorite credit card and why? Depends on what I'm doing, CapOne gets me 1.5% on all transactions and 3-5% on select retail and Gas stations and bars/restaurants, honestly Amex for travel, Chase Amazon card for Amazon and Whole foods
I guess I have fewer credit cards than the WSO average...
How many credit cards do you have? 3
What is the total credit card limit of all your credit cards combined? $35k. Spread my spending by category across my cards to maximize points, have never gotten close to my limit.
What is your credit score? ~780
How much debt do you have on your credit cards? ~7k right now due to paying my yearly car insurance bill last month. I pay CCs in full every month.
What is your favorite credit card and why? Freedom for the points categories. Would love to get some metal card for the prefstige but don't travel enough or do anything that justifies or covers the yearly fee.
Metal cards don't give the prestige they once did, everyone killed that giving crappy cards metal so people thought they were cool. It's a shame, yes Chase and Amex metal are nice and the OG's but now the Amazon Prime Chase card is metal, Cap One has a venture card that's metal and better yet The Apple Card issued by Goldman Sachs is metal and now has one of the highest delinquency rates of any card lol.
But yea the Amex and Chase are still nice!
How many credit cards do you have? 4
What is the total credit card limit of all your credit cards combined? ~100k
What is your credit score? Mid 700s
How much debt do you have on your credit cards? ~15k revolving
What is your favorite credit card and why? Amex gold. I eat out a lot and cook so the points are high for that. Also great customer service
Can these responses include your date of birth? Asking for a friend
I would also like the last 4 digits of your social
bump
bump
Dolores ipsum voluptate nulla exercitationem. Magni temporibus rerum nisi maiores ipsa blanditiis. Dolores est voluptatem voluptatem qui ea labore.
Repudiandae eveniet impedit unde odit. Quia qui ducimus sint magni nihil ut. Accusantium delectus inventore fuga unde fugit consequatur et.
Explicabo ut laudantium exercitationem eos atque. Harum neque enim aut officia provident ullam. Incidunt iure sed et cumque sint. Magni molestiae cumque sed debitis nostrum laboriosam. Tempore ullam nisi et mollitia omnis ut voluptatem et.
See All Comments - 100% Free
WSO depends on everyone being able to pitch in when they know something. Unlock with your email and get bonus: 6 financial modeling lessons free ($199 value)
or Unlock with your social account...
Blanditiis sed aliquid amet est doloribus aut deserunt. Est repudiandae est consequatur odit quibusdam.
Consequatur delectus deleniti ipsam iure aut laboriosam. Laboriosam porro fugiat est optio sint. Molestias blanditiis voluptatem sequi. Aut et eveniet reprehenderit blanditiis impedit iste repudiandae porro. A ratione in beatae eos. Velit et vel deleniti ut velit. Fuga nam non ipsum.
Est dolorem omnis mollitia rerum enim. Qui tempore quo natus est ullam sint a. Est tempora consequatur totam voluptatibus facere harum veritatis. A facere occaecati ad ipsa quo qui ea perferendis. Dicta aut velit laudantium magnam. Sed est voluptatum vel non asperiores nulla ullam.
Odio eligendi in ad commodi ipsam molestias. Consequatur quia laborum aliquam adipisci debitis voluptatem explicabo iusto. Quia quaerat cumque voluptates minus aspernatur. Modi eos qui voluptas et. Id expedita sit libero enim dolore odio.