While it may be tempting to adopt a policy that more is better when it comes to credit cards, it is not necessary to have more than six credit cards for most credit purposes.  Four credit cards will help you meet most requirements for maximum credit card rewards, the best credit card rate, significant available credit and a solid credit profile.  To make sure that your credit cards do not hurt your credit score make sure that you pay your credit card balance on time and pay off or at least pay down your total credit card debt.  Too many credit cards can lead to excessive credit card interest charges and the inability to manage the payments and balances.

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