Hi Brenda, I'm not sure there is a *magic* number as to how many cards with balances you should have. I think it depends on several factors. But I think 3-5 cards with low balances might be okay, provided you are keeping the balances below 50% usage and the Credit Bureaus are reporting your full credit line. Does anyone else have information on this, because I would like to know the answer as well Calmest_LA
according to myfico people with more than 4 accounts(revolving) with balances are more likely to become delinquent... so i would try to keep a balance on no more than 4 cards.. kev
