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.
I pretend to work, they pretend to pay me. I have pretend credit cards with pretend limits, so I can pretend to buy pretend things and pretend to pay the bills.
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 💸