The number of credit cards you should have depends on how you use them. If you can juggle multiple payment dates and pay the cards in full each month, having several credit cards open can be beneficial.Multiple cards mean a higher credit limit, which can help keep your credit utilization low. If you have a good or excellent credit score, you may even qualify for various rewards credit cards that earn you cash back or travel points. If you’re starting on your credit journey or have a history of credit card debt, it may be wise to stick to one credit card – ideally, a secured credit card.