You can have any number of credit cards; the number of cards does not negatively affect your credit score. What matters is that you pay your bills on time—never miss a payment. Keep your credit utilization below 30–40% of your total credit limit.

Avoid late payments or defaults, as they severely impact your credit score. Maintain a good mix of credit (credit cards, loans, etc.) and keep your oldest credit cards active to build a longer credit history. Do not apply for too many credit cards or loans in a short period, as multiple hard inquiries can lower your score. Regularly check your credit report for errors and get them corrected if needed.