re: Any negative for having too many CCs open?

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The ideal amount of credit cards to have open is 3. Anything more than that you take a hit. You want your balances to be no more than 60% of the limits.

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This is sooooo wrong. Please stop spewing this around.

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Take this from someone who has been trained by Equifax and is in the field.

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Either a) their training is wrong b) you didn't pay attention during training or c) you're lying.

Personally, I keep around 20% at a maximum.

Keep it sub 35% according to Equifax

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Are my balances too high relative to my total available credit limit?
Creditors prefer to see a lower ratio of how much debt you’re carrying compared with how much available credit you have on a particular account. Ideally, you’ll use less than 35% of the total credit limit on any particular account. For example, if your credit card has a maximum credit limit of $1,000, carrying a balance above $350 on that card could negatively affect your credit score.

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