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    #16
    Most people need that Macy's card to justify spending money. Spend $200 on clothes, but it's OK because you SAVED 20%.

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      #17
      Closing the extra credit accounts will probably have a negative effect on your FICO score, but if your FICO score is good now and your cash flow is also good then any negative effect of closing the accounts should not hurt you too bad and you should still be able to get credit if needed. But it sounds like you don't need credit anyway. Good for you.

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        #18
        that's true....

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          #19
          Never have had, and never will have a credit card. My FICO is lower because of this, but I have my house on a 5% fixed anyway. Once you have a mortgage, why do you need a FICO? If you pay off the CC every month anyway, wouldn't it make more sense to just pay cash or a debit card? A CC might be a net to fall back on, but so is a good EF.

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            #20
            so far I haven't charges from my credit card too,I haven't used it also for a quiet sometime now,i honestly keep it for emergency purpose.

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              #21
              i think 1 or 2 is a good amount. anything under 5 really. i don't see the point in having any more than that. is it REALLY a big deal to have your credit score go down a bit?

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