How many credit cards do you need? There is no one correct answer to this question. However, as few as possible is really the best advice – it is easy to go overboard with credit and common sense tells you to keep spending on credit under control. You know as well as I do that common sense isn’t always what dictates the decisions people make though. There is a culture of instant gratification in this country – and while there is nothing inherently wrong with spending, there is with letting credit cards spending get out of control.

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