I have always beloved in just having ONE...maybe two credit card incase of emergency or to rack up points. However I have recently joined MYFICO forum only to realize many if not most of the members on that forum have minimum of 3 cards with many having 5 or more. I read and read and to my surprise, most recommend MINIMUM of 3 cards to increase your credit score. Wow!!! Really?!?!?! How many credit cards do you have??? What are they? I have two cards from Chase and am thinking of getting Am-Ex only because that forum suggest I do to increase my credit score. Contrary to what I have known to increase credit score. Cheers!