>you only have one credit-card nothing inherently wrong with that. You won't have maximum access to credit and multiple bank relationships but those consequenc

>you only have one credit-card nothing inherently wrong with that. You won't have maximum access to credit and multiple bank relationships but those consequences may not be relevant to you. > you make sure you don't overspend That's great, but not related to the number of credit cards someone has. > never paid attention to how many points you accumulate. Some people obsess with points but there's a difference between not accumulating optimally and not accumulating at all. It's incredibly simple to get a 1-2% discount on all money you spend by using credit cards. But, again, that opportunity cost may not be relevant to you.