CNBC: Americans have average of 4 credit cards

[Anonymous]

I have 3 so I guess that makes me below average.   I've never had more than 3 total at one time, ever.  For many years I only had 2, or even 1.

I could have had 4 but I closed one last year before apping for my newest.

At my income/spend level too many cards would spread things too thin, rewards dilution, that sort of thing.  Plus having to keep track of payments/due dates/statement cut dates.

3 works well for me.  Maybe in a few years I'll have 4, or maybe I won't.

[Namaste7]

I'm definitely not average but slightly below-average for MFF standards. My original goal to maintain 5-6 cards but failed with the advent of chasing CB, points, and 0% offers.

Here is another interesting statistic courtesy of MF:

---

myFICO wrote:
On average, FICO High Achievers (FICO® Score 8 of 785+) opened their most recent account 2 years and 5 months ago.

---

I'm not sure if I'll ever be a FICO High Achiever chasing 0% offers 💸