How Many Credit Cards Should You Have?

[ReggieFlare]

Technically I have one but I got at least another 2 or 3 under my name that someone else uses

 

[Pseudonym]

At least 2.

 

[RARI_Godwind]

It don’t negatively affect your credit score opening up that many???

 

[OliviaTwist]

It don’t negatively affect your credit score opening up that many???

No. The bump in available credit will quickly cancel the hit that the inquiry caused. That’s why it’s important to apply for ones you have a good chance of actually getting. Also don’t apply for too many at the same time

 

[J.E.T.S]

Technically I have one but I got at least another 2 or 3 under my name that someone else uses

I’m an authorized user under 9 cards lol. I have 3 and my mailbox be pack with offers that I throw away.

 

[Formerly Black Trash]

I got 4

 

[blockburna420]

3 is the sweet spot for me but I use them for specifics.

 

[Ozymandeas]

I have 8 but I only regularly use 2-3.

 

[kovi]

I have 8. What matters is average age of accounts, and utilization %; and paying your shyt on time.

 

[WaveMolecules]

I want to get another card. I have an Apple Card and the chase freedom card.

what should I get?

 

[RARI_Godwind]

No. The bump in available credit will quickly cancel the hit that the inquiry caused. That’s why it’s important to apply for ones you have a good chance of actually getting. Also don’t apply for too many at the same time

So it’s just an overhead thing? Like your less likely to forget to make payments or pay your full balance on 1 card as opposed to 3? Am I stating that right?

I thought there’s legitimate consequences to having multiple cards for whatever reason

 

[NatiboyB]

shyt listen to one of those youtube scammers like Bandman, HIM500, or Global and they will have you thinking you can have 45 cards and run it up and just call and say your cards were stolen.

 

[Mike Nasty]

Technically I have one but I got at least another 2 or 3 under my name that someone else uses

Technically you have 3 or 4.

 

[ViShawn]

Six

 

[spencerforhire]

Can you have too many?

As long as its free. If your paying a bunch of annual fees for cards your not using then its a waste.