The number of credit cards considered "too many" varies depending on individual financial habits and ability to manage them. Generally:

• Starting with two credit cards is recommended for flexibility and backup

• Most people have about 3 to 4 cards; having 3 to 5 cards can make sense for specific benefits or budgeting purposes

• Credit bureaus suggest having around five or more accounts (including cards and loans) is reasonable for building credit over time

• Having more than 3 cards can become hard to manage for many, increasing the risk of missed payments and fees, which can hurt credit scores

• There is no strict maximum number of cards; some people manage 10 or more successfully, especially if they use the cards strategically for rewards or travel perks

• The key is managing payments on time and keeping credit utilization low; having too many cards is problematic mainly if it leads to missed payments or financial strain

In summary, while there is no universal "too many" number, 2 to 5 credit cards are typical and manageable for most people. More than that can be fine if you are organized and responsible, but having too many to comfortably track and pay on time can negatively affect your credit and finances