@syeb wrote:
OP's actual question was "Do I need three cc's to have a high credit score?". And there were many intelligent responses focusing on that aspect.
But the headline title says "Do I need three cc's"? For that I would answer yes, not only for the varied benefits but primarily for the situation where a credit card is declined for fraud or other reasons or just does not work for some reason. A backup card (or two) would be necessary for peace of mind. I know when I am traveling and make a big charge there is alwayus the fear that it would be declined for fraud protection. So a backup is critical. You do not want a vacation ruined due to the lack of a credit card.
My apologies that I de-railed the thread.
All the info has been great. I certainly learned something today and I appreciate it.
