How Many Credit Cards Do You Have?

Nasqueron

3

Bank CC which still offers a little cash back for main spend
Sainsbury's CC for nectar points at supermarket and fuel
BT card slowly clearing down used to spread cost of a couple of big purchases over 33 months

Intend to close the BT card when it's paid off next year and leave it a while before I want to get another bike + secure shed after my car finance is paid off.

I suppose the Santander 123 card might be worth a look at some point but in theory it's only going to net me £36 a year after the fee due to their caps and the bank one + nectar points works out around that

SLZ

1 to 2

I selected two then I realised that it isn't right as I've got my personal cards (BC [£] & HHonors [€]) as well as my work credit cards (AMEX Plat [£ & €]) so it's 4 in total really but 2 personal.

Deep_In_Debt

I have one. Barclaycard which I opened in April to transfer the balance of my old Vanquis card. 27 months interest free, limit of £5,300 to start with but I've reduced the limit to £1,000 as that is more than enough for my needs.

Not used the card for spending, just using it pay off my balance.

I will probably close it once I've paid off the balance and not get another card.

pollyanna24

3.

One is Nationwide one which gives cashback, but I don't use it as the 0% on purchases has run out.

Post Office 0% until January 2018
M&S 0% until August 2018 (and I just received my £30 cashback for opening it!)

Have £13,500 available credit over these three cards.

tahrey

1 to 2

One. And currently it's clear (or might have a couple small charges on from having put my debit card in the wrong jacket... will pay them off before the end of the month)... It's a resource for making my money time-travel at a small additional cost, rather than trying to make more by gaming the system (my life is already complicated enough).

I will be briefly increasing that to two sometime soon, but basically as soon as I'm approved for its replacement I'll be cancelling the old one. The only basis for the move is that the company's security policies have hacked me off (maximum annoyance, minimum actual improvement in fraud prevention), so if I can find something of equivalent APR and with less intrusive security - or at least, is actually more secure as a payoff for the inconvenience - then I'll be jumping ship with all haste.

Cashback might be a nice thing, but really it would probably just end up encouraging me to put enough of a balance on there that the company would end up getting most, if not all and more besides, back as interest.
(I think I worked out my monthly effective interest rate, all things considered, was something like 1.73% ... so getting 1% back on purchases, unless I was able to pay off at least 43% of them in the first month and the remaining 57% + interest the next, would be very nearly completely pointless, especially as that's spending a grand to get ten quid...)