 TITLE: Can Having More Credit Cards Help Your Credit Score? CONTENT: Does Getting More Credit Cards Affect Your Credit Score?\n--------------------------------------------------------\nWhen it comes to your credit score, how you use credit cards is more important than the number of cards you have. Whether you own two credit cards or 12, your score will suffer if you accrue debt you can't pay.\nOn the other hand, if you use your cards to pay for purchases that you then pay off right away, having more credit cards can result in a credit score increase. That's primarily because more cards result in a higher combined credit limit. If you use only a small portion of that limit each month—experts recommend 30% or less—the credit scoring algorithms will reward you for responsibly managing credit.\nBut this means that it's important to keep spending in check. Consider sticking to a monthly budget to help, or using certain credit cards only for specific purchases. It's also crucial to pay off your balance completely each month, and on time. That will ensure your credit cards are working as hard as possible for you and your credit score. END