@Anonymous wrote:True. The same reasons that make it difficult to get approved for new lending might be the same reasons cards get closed. It's like the same door being closed and locked.
I'd put some occasional spend on your security net Cap 1 card to keep it there just in case.
Good advice for any tradeline you truly want to keep especially if it's the only one from a given lender (Vis a vis non-trivial use of Amex or Chase cards most likely the rest of your accounts with them won't be closed for inactivity or at least that's held true since roughly 2012).
In my case with Cap 1 I trot it out every six months or so, getting to be about that time anyway for when I get through the double the mess double the pain mortgage processes.
Because 5-7 works for me does not mean 12-15 is not your ideal number.
Thirteen is less work and simpler than 24.
Also many just love getting and having a lot of cards. Nothing wrong with a CC hobby.
No two people have the same spend so "Everyone" thinking about a new card or getting rid of cards should think about each move like a chess game.
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Six years ago I put 6 months of real spend history into a spreadsheet playing with many card combos with my real spend as values.
Got the best 5 card hand for my spend. A couple got nerfed and picked up a couple new because of the loss. Years go by and new cards come and go but none are worth a change in lineup. My spend is very diverse and the largest chunks fall into general category. This makes collecting cashback cards less value for me than some others. I think many could get 3% with 3 cards and 4% with about 7-8 cards. Going for that last 1% is where the real card count goes up.
My spend is not where the gold is found. 
This translates into needing less cards. 
@redpat wrote:
AJC, pick the ones you like and 86 the others, there is nothing to worry about.
I am not sure what that means??? .."86" the others?
