Incredible Too Many Credit Cards Ideas. Each time you apply for a new credit card or other type of financing, a hard inquiry will be recorded on your credit report. Web there is no set answer for how many credit cards you should have, but be careful about your credit score.

($200 + $600)/$4000 =.2 or 20 percent dti. Having too many cards could make it harder to keep up with. Web on average, us consumers have three credit cards and 2.3 retail cards, according to the latest report from experian.