It can be easy to fill your wallet with credit cards. You can reason with yourself to say you have multiple cards for the purpose of collecting airline miles, cash back rewards, points at your favorite store, so on and so forth. So, how many cards should you have?

The short answer: at least two – ideally from different networks such as Visa, MC, AMEX, Discover, etc., with each offering different types of rewards and of course not more than you can handle.

Experts say the number of cards one should have varies according to individual and circumstance. There is no perfect number; however, your personal finances and your financial discipline should determine how many credit cards you have. New credit cards should not be obtained because you’ve maxed out others.

Consumers with credit scores of 750 and higher have an average of seven credit cards. However, the average American has two credit cards, according to a 2016 survey by the credit reporting agency Experian.

Regardless of the number of credit cards you have, your credit utilization is most important. The level of debt/credit utilization makes up 30% of your credit score. Credit utilization is the ratio of your credit card balances to your credit limits. Make it rule to keep your balances below 30% on all of your cards at all times, and you should be safe!