I have two credit cards. I only use them to build up my credit score. I wish that it was not necessary to do this but it is in fact a necessary evil. I hope to have zero credit cards one day when I no longer need a good credit score. Credit is a blemish on humanity. It should have never been invented. I've been offered several more credit card offers. I could probably have ten credit cards but I refuse to take out that many because I fear identity theft.