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Usually many cards won't do you any harm. It only has some effect when you trying to apply big loan. Basically, each bank will use a formula to determine what is the maximum loan it can give to you. The total amount of credit lines on all your cards will be one of the criterion. Therefore, if you don't apply loan, I don't think there will be anything negative. If you apply a small loan, chances are that it won't matter. If you apply a big loan, it may have some negative effect, but the effect may vary depends on which bank you are dealing with. Overall, I don't think there will be any problem.
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If you are going to apply loan in the near future, be careful not to cancel your cards. Cancelling many card in a very short period may be a little negative. The banks will see that many of your cards are cancelled, but it cannot see why and how the cards are cancelled. So if you cancel too many cards, it may affect your loan application. But again, I still believe you won't be affected by too much.
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If you have no plan to apply loan, you can cancel some of the cards. This may protect you against some fraud. After all, the more cards you have, the more likely you will be subjected to some sort of fraud.0 B! r( P, d7 k4 Y
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Finally, how many cards is too many? If you have five or six cards, I think that's very normal. Average Canadian has about 5-6 cards. I wouldn't worry about "too many" cards unless I have more than 10 cards. |
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