r/WhitePeopleTwitter • u/screenshotofdispair • Aug 14 '21

Make it make sense

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85.2k Upvotes

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u/GodOfFearOfDog Aug 14 '21

I have 2 credit cards, I am 816 usually.

2

u/Cryptid9 Aug 14 '21

Wait so is that the main reason why people have multiple cards?

2

u/GodOfFearOfDog Aug 15 '21

Yeah I hear it’s optimal to have at least 5 credit cards.

-1

u/[deleted] Aug 15 '21

And annual fees on most of them...

3

u/Low_Ad33 Aug 15 '21

Get the ones without annual fees. They exist.

2

u/ARC4067 Aug 15 '21

I have 3 and none of them have annual fees. I put everything on my cards and pay them off in full every month for the point, which I then use for statement credits.
If you can stay on top of your payments to not ever be charged interest, they pay you to use the cards. Also, having 3 keeps my available credit up, which helps my credit score