How many credit cards needed to build credit?

I currently have a 586 Fico score and here's what is helping me build:
Capital One Classic Platinum $300 CL enrolled in the STEPS program.
Capital One Quicksilver Mastercard $500 CL enrolled in the STEPS program
Fingerhut credit account $300 CL
Victorias Secret $250 CL
Is this enough to build with or should I apply for another credit card?
BTW I also have a car loan, was late 7 months ago, but I haven't been late since the beginning of 2015. I also have student loans that are current and never late.

Christine_0723 wrote:
I raised my kids as a single parent and didn't feel I could afford to to use credit so I didn't other that my car payments.  Now married and kids are gone so I really want a home of our own.  I'm trying to build credit and have two credit cards that I've obtained in the last 3-4 months.  Not having a habit of using them, I really don't except enough to show I use it,  I have a 1500 limit on one and a 800 limit on the other one, but I keep the owed amount at 25.00 combined and pay it off as soon as it reports to the bureau.  My question is, I keep reading that most people have about 7 cards. Would I build credit faster if I had more, or can I achieve the same thing with two?  3-4 cards will be enough to build credit on.  is all about ultilization at the end and not how many cards you have. 

Similar Messages

  • How to create a apple ID without credit card needed i want a none credit card.. Please help me... Thank you hope u replied as soon as possible.. Thank you again..

    How to create a apple ID without credit card needed i want a none credit card.. Please help me... Thank you hope u replied as soon as possible.. Thank you again..

    Hello, chard2say22. 
    Thank you for visiting Apple Support Communities.
    To create an Apple ID without a credit or debit card, there is a specific series of steps that have to be processed in order to allow the payment to be set as none on creation of the account.
    Creating an iTunes Store, App Store, iBooks Store, and Mac App Store account without a credit card
    http://support.apple.com/kb/HT2534
    If the specific steps have not been processed, a credit or debit card will be required to complete the setup of the account.
    However, it can be removed and payment method changed to none as long as there is not an outstanding balance.  At this point an iTunes gift card can be used as form of payment.
    iTunes Store: Changing account information
    http://support.apple.com/kb/ht1918
    Cheers,
    Jason H.

  • HT201303 I got a new computer and I authorized it but cant use my credit money to purchase songs without a credit card. I have credit on itunes account how do I get past the credit card question?

    I got a new computer and I cant use my money balance without it asking me to confirm a credit card. I have credit on itunes account I dont use credit cards it was an itunes card and I do not have it anymore .

    How to use your iPod to move your music to a new computer

  • How can I ensure itunes purchases (music, apps) are paid using credits which show on the account instead of billed to my credit card?  Info indicates credit is used first but I just bought a song and it did not seem to be deducted from my credits.

    How can I ensure itunes purchases (music, apps) are paid using credits which show on the account instead of billed to my credit card?  Info indicates credit is used first but I just bought a song and it did not seem to be deducted from my credits shown on account.

    Hello how to use this,
    The article linked below details how to go about viewing your purchase history in the iTunes Store.
    See your purchase history in the iTunes Store
    http://support.apple.com/en-us/HT2727
    Cheers,
    Allen

  • How Many Chase Cards Do You Have?

    I'm about to max out the maximum 5% cash back on my Discover card for dinning this quarter and was thinking about going for the Chase Freedom card.. Question is.. How many Chase cards do you have? I have: CSP - 25k CLAmazon Rewards - 7k CLUnited Mileage Explorer - 32,000k CL I'm not sure how they treat partner cards like Amazon and United in relation to determining the total number of cards or overall credit risk you pose. I was thinking maybe I'll apply and then if denied I'll call and see If I can move around some CLs or even close Amazon..

    RSCo wrote:
    I'm about to max out the maximum 5% cash back on my Discover card for dinning this quarter and was thinking about going for the Chase Freedom card.. Question is.. How many Chase cards do you have? I have: CSP - 25k CLAmazon Rewards - 7k CLUnited Mileage Explorer - 32,000k CL I'm not sure how they treat partner cards like Amazon and United in relation to determining the total number of cards or overall credit risk you pose. I was thinking maybe I'll apply and then if denied I'll call and see If I can move around some CLs or even close Amazon..Just 2. Slate and Amazon.  Do you really have a $32 million CL on Explorer?

  • How many egift cards for one order?

    I had emailed customer service asking how many egift cards could be used for one online order, and I was told you could use 5 per online order, and 10 in store. But then I saw this link in the customer service catagory, and it says you can use 10 gift cards per online order. 
    http://www.bestbuy.com/site/help-topics/gift-cards/pcmcat203400050004.c?id=pcmcat203400050004
    Can I use 5 or 10 gift cards for a online order? I have 7 $100 gift cards I want to use to make a online purchase. Thank you.

    Hello stephanielynett,
    Thank you for posting your concern on Best Buy Unboxed forum. Ready to use the e-gift cards that you have been saving from Birthdays and special occasions, and not sure on how many can be used in an order, can have an impact on how you place your order.  
    To the best of my knowledge, the most updated information is found on the link that you shared on this forum. You should be able to use to 10 e-gift cards per order.
    Have a great day,
    Karina|Social Media Specialist | Best Buy® Corporate
     Private Message

  • How many certificate in needed for push notification please tell me all steps ?

    how many certificate in needed for push notification please tell me all steps ?

    Your System Details shows;
    Installed Plug-ins
    Garmin Communicator Plug-In 4.0.4.0
    Garmin Communicator Plug-In 4.0.3.0
    Having more than one version of a program may cause issues.

  • When I complete all the steps to create Apple ID.In part that requires the credit card i dont have credit card and the option none does not appear.What can I do?

    When I complete all the steps to create Apple ID.In part that requires the credit card i dont have credit card and the option none does not appear.What can I do?

    Greetings anabeqiri, 
    Thank you for contributing to the Apple Support Communities. 
    The advice and steps in this article may help if you don't see "None" as a payment option when creating your Apple ID:
    Why can’t I select None when I edit my Apple ID payment information? - Apple Support
    All the best,
    Jeremy 

  • How Many Travel Cards?

    Was just approved on Saturday for Cap One Venture and have had a CSP since Feb. 2012. Love the CSP and even without the travel benefits the daily rewards more than cover the AF so it's just not something I worry too much about. I'm planning on not applying for anything in the next 6 months at least. Scores are high 600s currently but I have a few things happening in the next few months that should give my scores a pretty nice bump and I'll only have the inquiries (triple pull) from the Venture that I just got. My question to you all here is (and I've already gotten some SUPER helpful information so THANK YOU), how many travel cards is too many? To those that have several, do you find yourselves sticking to one card? We do travel at least a couple of times a year which is why I've gotten two travel cards but there are a couple more that I have my eye on, and even with higher AFs I think the benefits could outweigh the cost but I'd like to hear from people who actually have several of these cards, as opposed to straight cash back rewards cards. Thanks in advance for your input!

    you can have many as you like, but each should have a reason to be in your wallet.If they have no reason to be in your wallet look at PC'ing to at least have 0 AF or combining limits and moving them out   My Venture card is in my wallet because they gave me $400 to be in my wallet. Long term venture will not last, becasue even though its 2pts/$ spent.  46,000 points.  While on the other hand, I have a CSP which is 2% on travel and resturants and other benefits when I shop via the rewards mall and a 20% bonus rewards when I redeem for travel and I can transfer points to airlines and other travel programs.  Currently $380 in rewards balance sitting I also have a AMEX Delta card that gave me 40,000 rewards points. once again the card will be PC'd, in that I really don't want to fly delta but hey if you going to throw money at me, I will take your card.  45k pts sitting on the card My last card is a Hilton Honors Surpass, they through points at me, which I have used and thanks to work I ended up traveling a great deal for work, and ended up being Hilton Honors Diamond memeber so I am keeping this card, I enjoy getting 12pts/$ on Hilton stays. My wife liks staying in hotelsfrom time to time, so I will keep this card. 125,000 pts.  So all these cards have a reason to sit in my wallet currently will they stay in my wallet in the curent form, mostly no, they will be murced to other cards or PC'd.But they gave me the ability to have another 5 days in california on points for just signing up for these cards and paying the AF,  $300 in AF for 5 days in a trip to California is a great deal including flight for 2 people, rental car, 5 days in embasy suites. 

  • Taxonomy - how many training documents needed for automatic classification?

    Greetings,
    I have an example based taxonomy.
    I have trained the taxonomy manually with about two documents and expected it to classify automatically after that which it has not done.
    According to the URL below
    http://www.scribd.com/doc/7234683/Retrieval-and-Classification-TREX-Features-and-Functions
    it is mentioned that "You can also classify documents automatically. A prerequisite for this is that there are existing document classes with sufficiently correctly classified documents that meet the classification criteria"
    Please advise if training the taxonomy with only two documents which I did was too little - exactly how many documents are needed? (the above URL does not give an indication of a number)
    Regards,
    Keith

    Still trying to solve the problem, adding and tailoring documents as best as I can.

  • How can i decide how many dimensions are needed here.and which charactersti

    Hi,
            i am planning to create custom defined cube for sale order line item data.  how can i decide how many dimensions are needed here.and which characterstics are suitable for that dimensions.
    Thanks,
    chandu.

    Hi Chandra,
    How many dimensions are needed and which characteristics to be used totally depends upon the data model you are using.
    for instance  take an example of school.
    teachers , students are the imp terms in this example .
    you can choose these two as dimensions .
    teacher's name , address  , subject , class , designation etc can be its characteristics . and for students also the important terms describing them can be its characteristics.
    for more understanding of the Dimensional Modeling you can refer to following link.
    https://www.sdn.sap.com/irj/sdn/go/portal/prtroot/docs/library/uuid/6ce7b0a4-0b01-0010-52ac-a6e813c35a84
    Hope It Helps .
    Regards
    Pratap

  • I bought the 5s in USA above one month ago. I want to change it to 6. How many money I need to add?

    I bought the 5s in USA above one month ago. I want to change it to 6. How many money I need to add?

    There are not trade ins.
    You could sell you iPhone to someone and buy a new one.
    You could see if your local carriers/stores offer something like this.

  • How many gb I need and is 16 bg enough.

    how many gb I need and is 16 bg enough

    kenneth almere wrote:
    how many gb I need and is 16 bg enough
    No one here could possibly know if 16GB is enough for your intended usage.  Have you had an iPhone or smartphone before?  What was it's capacity?  Did you ever run out of space?
    I have an old iPhone 4 8GB that worked wonderfully, but I made sure to be very selective about what apps I installed, I deleted apps that I no longer needed or wanted, and I imported my photos & videos to my computer on a regular basis and deletde the unneeded ones from my iPhone.  When I got a larger capacity iPhone, my usage did change, mainly because I had more flexibility.
    To be honest, if you can afford the difference in price, it's worth getting the largest capacity version of the iPhone that you want.  For example, a $200 difference to go from 16GB to 128GB is a decent deal, but even on my current device, I'm rarely using more than 10 GB of storage.

  • How many repositories we need to perform 2way or 3way merge?

    Hi,
    how to perform merging? and How many repositories we need to perform 2way or 3way merge?

    Hi,
    2 way -
    2way merge is used when both the repositories are completely different from each other,like sample sales and usage tracking.
    Current repository is the one that we merging changes into it
    Original repository is Dummy(empty) repository
    Modified repository is Usage tracking repository (or) repository that you want to merge.
    So here we use three repositories in which one repository is empty.
    3 way -
    3way merge is used when both the repositories are identical in many ways but with some differences,like BI Apps 7.9.5 and modified 7.9.3 (or) merging developement repository with production repository.
    Current repository is Original BI Apps 7.9.5 repository
    Original repository is Original BI Apps 7.9.3 repository
    Modified repository is Modified 7.9.3 repository
    Here we use three repositories.
    Regards,
    Srikanth

  • How many  platforms we need to monitor in FUSEHQ

    how many  platforms we need to monitor in FUSEHQ

    Hi,
    2 way -
    2way merge is used when both the repositories are completely different from each other,like sample sales and usage tracking.
    Current repository is the one that we merging changes into it
    Original repository is Dummy(empty) repository
    Modified repository is Usage tracking repository (or) repository that you want to merge.
    So here we use three repositories in which one repository is empty.
    3 way -
    3way merge is used when both the repositories are identical in many ways but with some differences,like BI Apps 7.9.5 and modified 7.9.3 (or) merging developement repository with production repository.
    Current repository is Original BI Apps 7.9.5 repository
    Original repository is Original BI Apps 7.9.3 repository
    Modified repository is Modified 7.9.3 repository
    Here we use three repositories.
    Regards,
    Srikanth

Maybe you are looking for