Smart Money: Financial Hot Takes, and Too Many Credit Cards

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions.

This week’s episode starts with two hot takes from our hosts about buy now, pay later loans and credit reports.

Then we pivot to this week’s money question from Lauren, who left this voicemail:

“Hi. My name is Lauren, and I’m interested in getting into the credit card game. My question is, is there too many credit cards that one person can have? And if I wanted to open more, should I open them all at once or space it out? Currently I have two credit cards, one from college, which was my first, and the second that I opened about a year ago for better points. However, neither are super awesome. They’re both free, don’t have an annual payment. I’ve never had a problem with credit card debt. I’ve never even actually had credit card debt, and I pay both off in full every month. So I want to get some more credit cards from what I’ve seen on Instagram and TikTok to help get the full benefit…

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This article was written by Sean Pyles and originally published on