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What is the best number of credit cards to have to my name?

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There is no one answer to this question. I would suggest that instead of looking at the number of credit cards you have in your name, look at it as a total amount of credit to your name vs. how much credit you’ve used or are likely to use, realistically speaking. The percentage of the credit you have that you’ve used is the number that matters here, and getting another credit card can lower your usage percentage, but there are other things you should consider. Such as the fact that with more credit cards come more minimum payments and more temptation to spend. Whether or not more credit cards will benefit you is going to have to be a judgment call you make based on your own situation.

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