bw, this time last year I had the exact same number of cc's as you have.....5. Applied for a Penny's card in late November, got it, used it for Christmas. It was a godsend.
Oh. I had a V.S. card too, but never used it because of the prices.
Besides it only had $100 cl on it. not much you can do with $100cl there!)
Applied for a gas card last August, just to have a gas card. Glad I got it.
Added 2 more store cards early this month(BB & QVC), mainly to ease the burden of X-mas shopping.
I think store cards are convenient. They also help me keep down my utils on my bank cards.