I have a question. Several have stated how many cards they think are the "right" amount. But this would be for someone who OWNS thier own home. What is the correct amount when you are applying for a home loan?? I know they don't like too many. I know they don't like OPEN high limit cards sitting there with no balance on them. (too much potential money to spend). They don't like large balances on the open cards, or cards right at or near the limit. I have 8 cards. 3 with zero balances, but open with $ 22,100.00 available 1 with 50% 1 with 63% 1 with 70% 2 with 80% So who knows? By the way the equity loan I am applying for is to pay off most of these and close them along with buy out 2 family members for a house. Hopefully the bank will realize this when qualifying me.