I have a 650 credit score, and 8 credit cards but want to get down to 3. What's next?

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I have a 650 credit score, and 8 credit cards but want to get down to 3. What's next?

How many credit cards is too many? And is there a “right” number for how many credit cards to hold? This is the question we address in today’s pull from the Reddit mail-file. Today’s caller (let’s take a cue from Johnny Cash, and call him “Sue”), has been making all the right moves to get his personal credit in order. With eight credit cards in hand, he’s managed to pay down each one to a $0 balance. He’s also committed to paying off each statem…