Here’s how many credit cards you need

When used responsibly, credit cards are a helpful tool for making purchases, building credit and . The , with an average balance of $6,354 across all cards.

But how many is too many credit cards — or too few? Is there a magic number?

No, “there‘s not a one-size-fits-all answer,” Greg McBride, chief financial analyst at Bankrate, . “It depends on what you‘re using credit for and if you‘re disciplined about paying the balance in full every month.”

How many cards you can reasonably keep track of without accruing debt? If you consistently pay off your entire balance every month, opening additional cards can actually boost your credit score.