How many credit cards are too many?

The more the better but with t&c

1. If you have many credit cards there is a good chance that you wouldn't cross the 30% of the credit limit on any of those. This has a good impact on the credit score.

2. You obviously took those for specific reason, swiggy card for swiggy orders, tata neu for spends on tata, SBI for cashback and e-com sale. So you would save money for sure.

3. One thing that might not go your way is the membership and renewal fee. Too many cards mean costs on those.

4. Lounge access - many cards just give 2-3 lounge visits per quarter, so having more cards cover your multiple trips.

That's too many. Using a credit card is addictive. Take care of yourself

I have 10 noob :p

Have as much as you can afford! Get as much credit line approved when available in good times. When times go bad (economy, job loss etc), access to new credit becomes exponentially difficult.

Lenders, underwriters have a stupid scoring system, so just score you negatively on #CC based on their scorecards, models. But frankly you do not lose out on much.

P.S: I have 5 CC, all lifetime free. I am a miser, so my spends don't even cross 5% on any of their limits.

I mean if majority of them are LTF then u are fine. Otherwise cut down

Credit score matters