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I just read the Credit Card section here at TMF and found the answer to what I was looking for, and that is....

How many credit cards is good to improve your score?

N/A. Why? Because it's the sum of all the limits per cards you have, and for that sum to not exceed 25% of your annual income. This I did not know. So I calculated what I have and I'm @21.5%, though lenders see 50% and they're okay. I'd think having THAT much credit is too tempting. As for the number of cards to have...rule of thumb from what I've read is 2 or 3 max.

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