How many credit cards is too many?

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The question is, how many can you handle?

If you can handle having multiple cards and you pay them all off at the end of each month, then I'm not sure there is a such thing as "too many" credit cards, aside from having to keep a look at your credit rating.

However, for some people, even one credit card is too many. It all depends on your mindset.

If you use the card with the mindset that, "This is free money," then you're going to have problems no matter how many credit cards you have. It is not free money, it is a short term loan that you have to pay back. And like with any loan, the longer it takes for you to pay it back, the more you have to pay in interest and the harder it is to keep track of.

But, if you use the card with the mindset that, "I'll use this for rewards or for ease of use," and then plan on and follow through with playing the balance of each month, you'll be in good shape. You can't abuse the use of the card or you will be in big trouble, but if you respect it and use it wisely, it will not matter how many credit cards you have.

So there is no right or wrong answer to this question, it all depends on the mindset and thinking of each person. If you have the wrong mindset, then even one credit card is too many for you to handle.