How Many Credit Cards Is Too Many? by Kenadi Silcox Some financial gurus will tell you to avoid credit cards like the plague if you want to stay out of debt, much less diversify the types of cards you have. But if you’re an autonomous adult, capable of making decisions for yourself, making smart choices about credit cards isn’t something to be afraid of. Yet, there’s a fine line to straddle between not having “enough” credit cards and having way too many.