Is 3 credit cards too many?

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.



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There is no right number of credit cards to own, and owning multiple cards gives you access to different rewards programs that various cards offer. Owning five cards would give you a bigger total line of credit and lower your credit utilization ratio. If you can manage five cards at once, it's not too many for you.

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