I have far too many: 2 through my bank, a David's Bridal card, Target card, Kohl's card and a credit line through my bank. I started off with the reserve line and 1 credit card because when I divorced my first husband he left me with a ton of a debt. I didn't have the money to pay bills and my student loans. I was young and naive, didn't know what the heck I was doing. When I started my business, I got a credit card for business expenses. I got the David's Bridal credit when my current husband and I were planning our wedding. My dad offered to pay for my dress, shoes and well as my bridesmaids' dresses and shoes but instead of giving me money or a check he told me to get a credit card and he'll make the payments on it. Well, that never happened but my mother-in-law offered to do that instead, I'm very grateful for that. As for the Target and Kohl's credit cards, I shop there a lot so I thought I'd take advantage of the perks. After I make a purchase, I go straight to customer service to make a payment.