this post was submitted on 27 Dec 2025
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Don't listen to people saying you should keep extra accounts open. If you have 1 credit card open that you use regularly and pay off every month you'll pay no interest and have a good enough credit score.
Omg the concept of having multiple credit cards.... such a bizarre, 90s american thing. Nothing is worth the hassle, to me.
There are ways it can make sense, but it's often a sign of using a card to stay afloat, maxing it out, and then using a new one to try to stay afloat, now with bonus debt.
It works in my family that we are basically financially independent from each other and have a shared account for shared expenses. As a result we technically have multiple credit cards, but in practice it's mostly the shared card, and occasionally the "me" card. Automatic payments, no fees and cash back makes it pretty easy.
What do you mean? We just paid off all our cards, have 2 that now sit in a drawer. No annual fee, but have had a few emergencies this year where they came in handy. Large, unexpected purchases unfortunately. Anyway, 1 has a $16k limit, other is $11k. They just sit there. We used all the points built up to order gifts this year.
We have one shared card that we both use for everything, gas, food, etc. all budgeted through EveryDollar so we know where 99% of our money is going at all times.