The average consumer may have 3 credit cards, but if you’re really into travel rewards like I am, you may have applied for more than 3 credit cards just in the last 90 days. When people ask me “how many credit cards should I have,” I reply that it depends on your situation. Let’s look at the pros and cons of having multiple credit cards to help you determine the right number of credit cards for you.

Credit scores are a quick way for banks, insurance companies, and others to rank us based on our past behavior. Keeping track of your credit score is an important way to monitor your progress towards a better financial future. But how do you get a free FICO credit score? There are actually many ways how to check your credit score for free. Follow along, and I’ll show you how.

While many people struggle to improve their credit scores, there are some super prime consumers who have earned a perfect credit score of 850. The higher your credit score, the better terms you’ll get on loans and perks on your credit cards. But do you really need the highest credit score possible to get the best loan interest rates and credit card benefits? And what steps can you take to improve your credit score?