There's just too many things going on with credit cards right now. I see people using them as welfare (charging with no income) and they feel justified doing it. I only have 3 cards all of which get paid off every month but I usually let them get a little interest off me but that has been a rule for awhile now to try and get my credit score up. Why 3cards? Well, each has a purpose but more importantly dropping a card some how hurts your credit score... that's the unfair part!