The number of credit cards you have is essentially one that applies to financial control. Some players like to play two or three cards, and others like to play one card. As you think about how many credit cards is too many, ask yourself if you can keep track of the due dates for them, track the balances, and avoid paying for things that you don't need to pay for. Having more than one account can offer you flexibility and various rewards, yet it could also urge you to overspend.