Best Practices For Credit Card

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According to a Credit Karma report, the average American has 2.5 credit cards. Some have two; for others, it’s three.

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Of course, outliers may have more or less. The number is all over the place, which raises the question–how many credit cards should I have?

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There’s no perfect answer like so many other things in life because personal finance is personal. However, you can use some essential criteria as a guide.

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A magic formula to calculate the number of credit cards you need doesn’t exist. Credit cards have many benefits like cashback, travel points, and building credit.

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However, the need for a credit card depends on your financial situation and spending habits.

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Therefore, you must consider your income, ability to pay bills on time, budget, and money habits.

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