In another thread @CreditCuriosity posted about closing cards no longer used, or found useful. I commented that my DW has had more than 70+ active Credit Cards and at times it has been like a second job keeping up with all them.
She has never paid a single penny in credit card interest throughout her 35+ years of credit history. For those curious as to how she has accumulated so many cards, it's been mainly through her excellent rating and long positive history by continually accepting new offers from either existing issuers, or going after new cards that appeal to her for one reason or another. She has in the past for example, gotten a store card for a single purchase, and then rarely ever used it again. Most of the time though, it has had to do with a 0% offer in one way or another. The comical (maybe only to me) part of it is if you were to ask her what her scores are, she'd wouldn't hesitate to tell you she has absolutely no idea (they're all in the 830s) . She just doesn't keep up with her scores or track her usage per se, or do any of the multitude of things many of us here do to stay on top of (or even micro manage) where we stand in the credit world (raises hand). Her philosophy is simple. One, PIF and two, use 0% offers to finance, or refinance the things she doesn't want to PIF (usually large purchases), and if the project, or thing she's financed is going to extend beyond the latest 0% offer, in the past she has just gotten another, or more than one new 0% offer and uses 0% BT offers, and so on, and so on it's gone for all her adult life snowballing into this amount of accounts.
On the rare occasion where she was unable to utilize a 0% offer, she'd (we) just pay cash which brings me to a philosophy we both share. If you can't afford to pay for it with a debit card, you shouldn't put it on a credit card. We are fortunate to be mortgage free and also have a high income but despite income, or circumstance, why not take advantage of someone letting you use their money for a period of time, for free while also building points and/or cash back to your advantage. With many lenders, good behavior and positive relationships often result in continuing and/or expanded offers that are beneficial as long as you remain responsible with your use of them.
She's has leveraged the credit and relationships she's built, and used these techniques to help pay for things like a pool (across two cards), new fences, decks, various remodeling and landscaping projects and after trade in and/or a sizable down payment, three different vehicles.
She mainly uses only 4 to 5 cards on a regular basis for household expenses and purchases and always PIF on those. Mostly she uses Amex BCE, Discover, Shop your way, Chase FF and sometimes a USB. The remaining cards, and this is where the part time job part of it all comes in, she will use at least once a year (or rarely when they send a letter to use it, or lose it) just to keep them active.
For this round, and for no other reason than she just doesn't use them, she decided to cut all her ties with Capital One, axing 6 cards, both personal and business for a combined loss of 80k in CLs. Remaining TCL is at 720k. Leaving 68 active accounts. She says there will be more to follow but no set time to do it. It will likely happen whenever the mood strikes her.
I don't know if any of this helps anyone, but seemed some people were simply curious so if nothing else, hope it satisfied some of the curiosity.
