I manage about 6-7 cards every month lol

Wow! I don't know how you do it, my two cards give me enough stress.

I hear that!! I have 2 cards also and I am checking them online just about everyday to make sure I keep them up to date. I am just starting to rebuild (got a secured BofA card Sept '07 and a Cap1 card Jan 08) and I hope to be able to get at least 2 more cards soon...

You should be applauded for keeping them all up to date with no lates!! ( I looked for the little "applauding emotion guy" but could not find him!)

Thanks for sharing your story!

Smart move!

I pulled my true credit report it said
tu 702
ex645
ep 645
but i am going to stop applying for cards
i know i messed up getting all those new accounts

Stop!!!!! Wait and get at least a one year history on the new accounts. Yes you will get denial from creditors with those new account. You have only 2 or 3 year max history on all cards, you need to focus on your history and credit limit increases. That is what will help build you back up fast. I know you took a hit from the new accounts and denials.

Is that bad?

cap..one 3years
chase 3years
wamu 1 year
chevon 2year
shell 2 years
target 3 months
macys 3months
paypal new
lowes new
hooters new
oldnavy new
best buy new
walmart new
finger hut 3 months
discover 1year

HOLY COW!! How did you ever do that??

cap..one 3years
chase 3years
wamu 1 year
chevon 2year
shell 2 years
target 3 months
macys 3months
paypal new
lowes new
hooters new
oldnavy new
best buy new
walmart new
finger hut 3 months
discover 1year

It hurts when it is too many new accounts. I have 13 or 14, but I just focus on cli's and history right about now. How long have you had these accuonts?

Can you have to many credit cards , and will it hurt my credit if I have to many ?

Here are my cards
Capital One $1000
Chase $1100
WaMu $750
Chevon $900
Shell $700
Hooters $750
Best Buy $2500
Wal-Mart $1000
Pay Pal $1400
Target $200
Oldnavy $200
Macy $300
Discover $300
FingerHut $300
Lowes $700

one word is all i can think of "WOW" and i thought 4 cards was alot! and just one question "How do you remember all the due date"?????? :

Thanks for keeping it real I guess your the money manager in the household! LOL!! You must have a spread sheet or something to keep you on track with your monthly payments.....

Brutal Honesty!!

Thanks Realtorbel for being so honest and providing suggestions and what the transitional phase has been like. We do need to see more posts like yours. Keep up the good work!! Rockin35

Not sure about ur question. RU asking me what my objective was when I started all of the applying or objective with the post???? Well objective with the applying was to build credit but couldn't get good credit limits so kept trying until the doors finally flew open so thats why Im stopping now. Also, I didn't realize that there were certain times that you should apply like after youve paid down ur cards and show low util w/CRAs. But if you meant objective with post - then this is my response to some1 who asked me to make a list of all of my credit so they could help me with my quest for gardening now. Also, I hope to help others so that they learn from my mistakes and save them from too too many inq's. If it wasn't for that, I kno that I would be in 700s land by now!

I read your story but can I ask "What was the objective when you started this?"